CONDO INSURANCE CLAIMS…..WHO OWES WHAT AND TO WHOM?

Condo Claim Assistance by a licensed Florida Public Adjuster

This is what can happen when you upstairs neighbor has a drain leaking into your condo unit.

Looking for help with a Condo Claim?

It is all too common to see a condo unit owner’s hot water heater or toilet leak through the night causing damage to not only their own unit but to the neighboring units  and several units below them.  The problem is, “Who owes what and to whom?”

As State Licensed Public Insurance Adjusters, we receive many phone calls from policyholders that have experienced a loss to their property and need help with their Condo Insurance Claim.  There is not one answer for everyone as there are many different policies and every situation is unique.  When it comes to Condo Insurance Claims there are several questions that often arise.  Here are some examples:

1.    “The damages to my Condo were caused by my neighbor, so they should pay for the damages, right?”

The answer is ‘possibly’.  As far as insurance goes, if you have your own insurance policy that policy should compensate you for the loss.  It is common for your insurance company to gather all of the information about the responsible party and at their own discretion they may go to the responsible party and attempt to subrogate (recover) the losses from the responsible party.  They will typically choose to subrogate for a Condo Claim when they feel that a party was negligent and the loss occurred due to this negligence.

2.     “I have insurance through my association and they will take care of my Condo Claim, right?”

Unfortunately many people misunderstand what the association master policy will cover.  They should cover anything behind your drywall and the drywall itself.  As far as flooring, cabinetry, bathroom & kitchen cabinetry, texture and paint as well as many other items, your personal insurance policy should cover those items.  As you can see, the bulk of the damages are your responsibility and not the associations.  It is very risky to go without insurance on a condo.

3.     “I don’t think that my insurance company gave me enough money for my Condo Claim. Can you help?”

YES.  That is exactly what a good licensed Public Adjuster in Florida can help you with.  Unfortunately, most insurance companies clearly understand that the claims department is not a profit center.  The adjusters that they send to your house are paid and trained by the insurance company, whose interest do they really have at heart?  I am not saying they are bad people but I can tell you that on a regular basis we are able to assist our clients in recovering Multiples of what the insurance company originally offered.

For more information on How we can help you with your Condo Insurance Claim problems call (800) 801-2099

Free Claim Review With a Florida Public Adjuster

What our clients say…

  • Leroy R. AvatarLeroy R.

    Definitely agree with others' comments here. Greg at Claim Concepts is an honest broker. He is not just friendly and reliable-- he is also knowledgeable and hard-working. Even after Greg recognized there was not a "big job" at our home, he spent a lot of time helping us get a complex issue sorted out with our insurance company. Claim Concepts are good people. - 10/16/2019 

    J M. AvatarJ M.

    We never thought of hiring a public insurance adjuster to settle a claim before, however, upon getting the run-around from our insurance company due to serious plumbing leaks throughout our home, we are extremely happy we contacted Claim Concepts. Greg Roover and Eric Thomas did a tremendous job for us. We found them extremely professional & knowledgeable in their field. We were told what to expect with regard to settlement timelines and negotiations, and they gave us a thorough & detailed estimate of what we were due based on our property damages. From the beginning to final settlement they handled everything, alleviating us having to follow up and negotiate with our insurance companies representatives and their adjusters. Greg and Eric know their business...and with their help our claim was settled well beyond what our insurer originally offered. Without hesitation, we would call Claim Concepts for any future needs and would highly recommend their service to others. Thank you Claim Concepts! - 10/23/2017 

    Poh W. AvatarPoh W.

    My house caught on fire in late March 2019. Initially I tried to deal with insurance adjuster myself but it quickly became too much work for me to handle. Fortunately, my boss was in a similar situation and highly recommended me to talk to Claim Concepts. I contacted Greg Roover (the owner), we had a great conversation and contracted CC to be my public adjuster. I met with Eric Thomas (one of Greg’s associates, super friendly and professional) the next day to previewed my burnt house and went over logistic. 4 months later not only did I got my insurance claim approved, Eric managed to get the full insured amount as well. Great Job Claim Concepts! I would highly recommend Claim Concepts especially if you find yourself in a fire or hurricane claim situation. - 10/17/2019 

  • ALFRED L. AvatarALFRED L.

    I had direct contact with Eric and Jesse and my experience with both of these professionals was exemplary. I observed a sincere desire on both their parts to assist me in anyway they could to obtain an acceptable settlement from my insurance carrier due to a roof leak resulting in extensive interior damage to one of my rooms as well as to my roof. Whenever I had a question or concern, both Eric and Jesse were there to answer those concerns. I am extremely grateful for their assistance in obtaining the insurance settlement that I received. I recommend Claim Concepts, unequivocally, for anyone in need of Public Adjusters. They are the epitome of professionalism, honesty and integrity. - 10/23/2018 

    Laura M. AvatarLaura M.

    Greg and Eric made a terrible situation with my insurance company tolerable. They were able to get a fair loss layout so I can restore my home after slab leaks. Thank you both for all of your help. You guys are great - 10/23/2018 

    Jackie M. AvatarJackie M.

    Eric and Greg did a great job in negotiating a settlement even after the Insurance company denied my claim. I got enough money to complete repairs after paying their fee. Thank you for what you do. I highly recommend them. - 10/08/2017 

If you are looking for a Public Adjuster Near Me, you came to the right place. Our Florida Public Adjusters represent Policyholders Statewide, including but not limited to the following areas:

Florida Panhandle, Bay County, Washington County, Holmes County, Jackson County, Calhoun County, Gulf County, Franklin County, Liberty County, Gadsden County, Wakulla County, Leon County, Panama City, Panama City Beach, Marianna, Port Saint Joe, Apalachicola, Blountstown, Tallahassee, Mexico Beach, Callaway, Chattahoochee, Lynn Haven, South Florida, Central Florida, Northern Florida, Southwest Florida, West Florida, Palm Beach County, Martin County, St Lucie County, Broward County, Okeechobee County, Brevard County, Glades County, Indian River County, Lee County, Dade County, Boca Raton, Jupiter, Palm Beach Gardens, West Palm Beach, Wellington, Boynton Beach, Lake Worth, Hobe Sound, Stuart, Palm City, Juno Beach, North Palm Beach, Royal Palm Beach, Singer Island, Riviera Beach, Collier County, Charlotte County, Palm Bay, Melbourne, Vero Beach, Cape Coral, Fort Myers, Orange County, Orlando, Port Saint Lucie, Weston, Delray Beach, Kissimmee, Fort Pierce, Greenacres