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…

  • 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 - 10/02/2019 

    none n. Avatarnone n.

    I dealt with Gregg, he was very professional. My insurance company wanted to give me $11,000. After contacting Gregg, he looked at my policy discovered I was entitled to a lot more things that they didn't pay me for. With his ideas and techniques I got a total of $33,000. Nice Job! - 10/02/2017 

    Michael C. AvatarMichael C.

    Qualified, fast and and aggressive! What else could you ask for in a stressful situation? - 6/20/2017 

  • Nancy F. AvatarNancy F.

    Due to a water pipe leak in between my first and second floor bathrooms, I sustained quite a bit of damage. All I knew to do was to contact my insurance company. They sent out a claims adjuster who looked at the obvious damage and created a claim that just fell short of my deductible. When looking for a company to repair the damage, it was becoming apparent that the damage could be more significant than originally quoted by the claims adjuster. That is when it was brought to my attention that there was someone out there who could support those findings and have my best interest in mind. That's when I found Claims Concepts. I had no idea that this type of business even existed. Insurance companies can be a bit intimidating, especially if you're not in the construction business. I called Claims Concepts and worked with Greg, who substantiated the information that there was more damage than the adjuster quoted. He took over from that point on and worked on my behalf with my insurance company, to make sure that all damages were properly covered. - 10/23/2017 

    KJ M. AvatarKJ M.

    Greg and Eric were extremely responsive and professional. They handled our claim, and helped us maximize our settlement. They made sure every possible potential damaged item was covered. The amount we recovered more than paid their fee. - 10/23/2018 

    cyril s. Avatarcyril s.

    Hiring Claims Concepts was one of the best decisions that my wife and I have made. A remarkable group of good, sincere people with a strong work ethic. They turned a stressful situation into a positive outcome. The only regret we have is not hiring them sooner. We would recommend them without any hesitation. So, to Greg, Eric and Jesse we thank you from the bottom of our hearts! - 4/23/2019 

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