Than Four Combined Decades
Condominium Insurance Claims
At The Morgan Law Group, our Florida condominium insurance claims attorneys protect the rights of our city’s residents who enjoy the low-maintenance lifestyle and top-notch security that comes with living in a condo.
In Florida, the housing density of condos is approximately 5,597 per square mile, and while their occupants are enjoying the ocean views, our Condominium Insurance Claims Attorney law firm in Florida is standing by to assess their condominium insurance claims to ensure our clients get the most out of their coverage.
What Does My Condominium Insurance Cover?
Like most insurance coverage, condominium insurance policies will vary based on the type, size, and cost of the condo you are in. It will also include specific coverage for the items inside the condo, which could include expensive belongings or installations that were added to your unit.
Insurance coverage is designed to protect the unique needs of each policyholder, and can include:
- Interior walls
- Personal property and valuables
- Protection for the personal injury or property damage of another while in your condo
Why Would I Need To File A Condominium Insurance Claim in Florida?
Whether you live in your condo fully or part-time, the insurance coverage you pay for is there protect your property at all times, including hurricane season.
Even without a massive storm causing damage to your unit or the integrity of the building, there are other dangers that could cause you to incur expensive repair or recovery bills that your insurance coverage should pay for when your policy is written accordingly.
Those dangers can include:
- Damage from other units
- Leaks or broken pipes
- Mold infestations
- Personal injury that occurs in your unit
- Vandalism or other intentional property damage
Does My Homeowner’s Association Have Insurance That Covers My Condo?
Condo insurance can be complex, as the homeowner’s association, or HOA, must carry insurance coverage too, but it will not cover what is inside your condo.
The HOA coverage is referred to as a master policy, and it can leave a lot of gaps in the coverage you may expect it to carry.
This HOA coverage should include:
- General liability for the association
- Property damage coverage for the common areas
- The condo building, grounds, and other external features
What Do My Homeowner’s Association Fees Pay For? Is Insurance Included?
Your condo association fees go towards the maintenance and upkeep off the building and its grounds, including the roof, balconies, railings, walkways, lobbies, swimming pools, and elevators.
When any of these areas are damaged and require maintenance the HOA fees go towards the bill. The problem is, if the upcoming bill, say to replace an entire roof, is more than the amount the association has on hand, the fees could be raised with a special assessment, leaving you to pay even more money out of pocket each month.
When the damage is caused by a storm or fire, the insurance coverage should be pursued, so the condo owners are not responsible for the brunt of the expenses.
What If I Am Being Held Responsible For Costs My HOA Should Cover?
It is not uncommon for the HOA and its condo owners to have disputes regarding who is responsible for different types of damages. Much like car accidents, both drivers may end up pointing fingers at each other while trying to prove that the crash was not their fault.
Unfortunately, the damage to your condo or certain portions of the building may not be as clear cut as the evidence in a car accident, and that can cause real problems for the condo owners.
At The Morgan Law Group, P.A., our condominium Insurance claims attorneys in Florida have more than forty combined years of experience representing both the HOAs and the condo owners, so we have experience on both sides of the argument and can provide the representation you need to come out on top.
We can help settle disputes between the:
- Insurance company
It is important to get a legal advisor involved as soon as you can, so your rights are protected at all times. You should never have to pay for any damages that befell your condominium when you have insurance to protect you. At The Morgan Law Group, our condominium insurance claims lawyers in Florida will provide the representation you need to pursue the best financial outcome available for your case.
What If My Insurance Company Denied My Condominium Insurance Claim?
At The Morgan Law Group, our condominium insurance claims lawyer in Florida will assess your case and claim submission before aggressively pursuing the insurance company for the financial recovery you deserve.
We handle all cases on a contingency basis, so you do not have to pay for our legal advice or representation until we win your case. Contact our accomplished Florida attorneys today by calling 888-904-2524 to learn how we can help you hold the insurance company accountable for the policy you pay for, and the coverage they promised.
The Morgan Law Group is a Condominium Insurance law firm in Florida, serving Orlando, Miami, Naples, Tampa, Pensacola, and Panama City. Our Orlando, Miami, Naples, Tampa, Pensacola, and Panama Condominium Insurance attorneys in Florida offer free consultation in a safe, trusting, comfortable environment. Call our law firm now to learn how our Orlando, Miami, Naples, Tampa, Pensacola, and Panama Condominium Insurance claim attorney can help you confront the insurance company for the financial recovery you deserve.
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