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After Hurricane Michael, the amount of damage that was left behind throughout the State of Florida posed a real problem for condo buildings and HOA communities, including structural damage that was hard to bounce back from.

In fact, just a month ago we talked about how over 20,000 people were still waiting for their insurance claims to be paid – a full year after the devastating storm made landfall. And there are thousands more that are still seeking additional benefits because their carriers’ initial payments were too low.

While it is true that a disaster can strike at any time, most community associations may not know the totality of the financial consequences, especially when they live in an HOA community. Like most, HOAs count on their insurance policies to provide the coverage they’ll need to rebuild when structural damage occurs. Unfortunately, it may not be that easy.

Review Your HOA Insurance Policy & Its Coverage Often

All homeowner associations and condo boards should review their existing insurance policies and overall coverages annually to ensure it fits their community’s overall needs. This includes knowing the deductibles that apply.  HOA property policies should cover common perils that affect the structure of the building or community that they govern.


  • Roof damage, along with gutters and skylights
  • Structural damages to the building, including windows and sliding glass doors
  • Damage to common areas, such as parking covers, awnings, tennis/basketball courts, and landscaping, and lighting

If you need help determining exactly what your HOA insurance policy covers, our Florida insurance claims attorneys can provide clear and exacting representation that outlines your coverage in straightforward and easy-to-understand terms.

While it may be possible for the insurance company to confuse their policyholders, our insurance claims attorneys are adept at acknowledging and countering this behavior, so our HOA clients can benefit from the coverage they have paid for.

Countering HOA & Condominium Board Insurance Claims Delays And Denials

While condominium associations or HOAs each generally carry full coverage insurance, no one is typically prepared for the reality of filing a claim for any type of damage, and the difficulty it can include.

While it may be clear to you that the damage to the building originated from an uncontrollable source or other natural occurrence, complications often arise when it comes time to collect from the insurance company for the damages.

The insurance company will immediately question who is responsible for which damages, especially when those damages are severe, and delays or denials aren’t uncommon in the claim process due to unforeseen reasons.

At The Morgan Law Group P.A., our experienced Florida insurance claims lawyers will take the necessary steps to gather evidence, deliver documentation, and face the insurance company head on to ensure our HOA clients receive the fair treatment they deserve to get the most out of their claim and start the process of recovery and repair.

If your homeowner association or condo board is experiencing trouble recovering the financial compensation you deserve for damages that occurred to your community, contact our Florida homeowner insurance claims lawyers at (305) 569-9900 and allow us to pursue the best outcome available for your unique claim today.