Condominium Property Insurance Claims Lawyer in Florida
Florida condominium owners face a high risk of damage to their units. Between the intense weather activity and the potential risk of vandalism and theft, your condo unit is susceptible to damage at any time. That is why homeowner’s association dues keep increasing every year.
Condo ownership is different from owning a house. The homeowner’s association is responsible for insuring the external structure of the condo building. The monthly dues you pay to the homeowner’s association are supposed to cover the insurance premiums for your condo unit. However, each condo unit owner must purchase separate insurance to cover the interior property, such as personal possessions.
For this reason, it can be challenging to file a condominium property damage insurance claim if your unit suffers damage. It may require you to negotiate with your homeowner’s association, their insurance company for the building, and your insurance company for the interior possessions of your unit.
Don’t try to handle all these negotiations yourself. Our team of skilled lawyers has extensive knowledge and experience in the laws related to condominium property damage insurance. We understand the local laws and how to apply them to your insurance claim so that you can receive the most compensation possible for your condo damages.
Why Hire a Condominium Property Damage Insurance Claim Lawyer?
Filing a condominium property damage insurance claim is no easy task. First, you have to convince your homeowner’s association that your condo suffered actual damages from the building or some external factor. Some damages may affect common areas of the building rather than the individual units specifically. But if the damages affect your particular condo unit, you have the right to seek compensation for those damages under the law.
An individual insurance policy on your condo unit can cover the following damages:
- Loss of personal belongings
- Liability protection in case the HOA blames and sues you for the damages
- Moving expenses due to an uninhabitable unit
- Cost of living expenses
- Unit repair damages
Condo insurance policies dictate which types of damages are covered for common areas. A condominium property damage insurance claim lawyer is qualified to understand the legal language of these policies and how they affect your compensation rights. For instance, most condo homeowner’s association insurance policies cover common areas of the building, such as the parking lots, HVAC units, balconies, walkways, lobbies, and the walls and roof of the building.
When you see damage in any of these common areas, you may have the right to pursue a condominium property damage insurance claim for the cost of repairing the damage. The HOA should be the one to handle such claims because they are in charge of the master insurance policy on the building. But if they fail to comply, you should consult with an attorney for further guidance.
Why Hire the Louis Law Group?
Do you have to make a condominium property damage insurance claim? Louis Law Group has the most qualified lawyers to handle your case. We can offer you a full suite of legal services to work with you on your claim from beginning to end. Some of these services include gathering evidence, evaluating evidence, negotiating with insurance companies & homeowner’s associations, and going to court to seek compensation on your behalf.
Louis Law Group is a trusted member of the local community. We have helped numerous clients recover compensation for the damages to their condominium units. If you want to receive maximum compensation for your condominium property damage insurance claim, you’ll need a high-quality legal team on your side.
Contact Us Today
You have every right to recover compensation for the damages to your condominium unit, no matter where it is located in Florida. Remember that you have up to four years to pursue an insurance claim. There is no better time to start than immediately.
Louis Law Group serves clients with condominium property damage insurance claims all across Florida. These locations include:
How does a condominium damage property insurance claim work?
A condominium property damage insurance claim is more complicated than a traditional homeowner’s insurance claim. It may require you to negotiate with an HOA and multiple insurance companies to achieve a desirable outcome for yourself. The most important thing you can do is to photograph and video record the damage with your smartphone for documentary purposes. Make a list of everything that was damaged, including your personal belongings. If you can retrieve statements from witnesses, that would be great too.
Our team of condominium property damage insurance claim lawyers can help you collect this evidence if necessary. Once the proof is gathered, we will review it all to determine the strength of your claim case. Most importantly, we will calculate an estimated amount of compensation you are entitled to receive from the damage to your condo unit.
How is the Louis Law Group different from other law firms in Florida?
Louis Law Group takes pride in offering professional and dedicated legal services to our clients. Our team of property damage insurance claim lawyers have extensive experience in handling all property damage cases involving condo units and homeowner’s associations. We are confident that we can recover all the compensation for your condo damage in which the law permits.