Frequently Asked Questions Regarding Property Loss Claims by Condominium Associations

The insurance needs of a condominium association are complex because of the dual nature of ownership inherent in a condo development.  While the responsibility to insure against damage to the individual units inside a condo building fall on the owner of the damaged unit, the association is responsible for coverage of the “common area.”  There are also areas like internal walls or ceilings that may be the responsibility of the association though they are also adjacent to individual units.  Miami condominium association insurance claims attorney J.P Gonzalez-Sirgo has provided answers to common questions about property damage claims brought by associations.

What are your options if you are a member of the board and feel your claim for loss from hurricane, water damage or other peril is not proceeding properly?

An experienced property damage claims attorney who has experience working with associations can review the issues and status of your claim to determine how to address a delay or denial by the insurance company.  Mr. Gonzalez-Sirgo recognizes that there are a range of parties and personalities involved when our law firm works with a condominium association.  We have experience dealing with board members, condo owners, contractors and insurance carriers, which helps us to seek a positive resolution for our clients.

What will typically be covered under the condominium association’s policy?

The precise perils, types of loss and policy limits covered by the policy requires a careful review and analysis of the policy.  Typically, the insurance policy for a condominium association will cover damage to the common areas of the structure and premises.  The inside of individual condo units will be covered by insurance held by the resident rather than the association.

How do I know if the attorney fees will be reasonable for the association?

Miami insurance claims attorney J.P. Gonzalez-Sirgo generally handles these cases on a contingency fee basis, so we are paid only when we obtain a recovery for our clients.  We offer a free initial consultation so that we can evaluate your situation and determine if you qualify for a contingency fee arrangement.

Can you still help me if my insurance company has already closed and settled my insurance claim?

Generally, yes, depending on a number of factors.  If you are a member of the board and do not feel that the amount of the settled claim is adequate, we can analyze your situation to determine if you should re-open the claim or file a supplemental claim.

Will your law firm provide a second opinion if our claim was denied by our insurance carrier?

Many of our clients from individual policyholders to condominium associations come to us for a free second opinion after their insurance company has denied their claim.  Mr. Gonzalez-Sirgo will review the terms of your policy, nature and scope of the damage and your original claim.  If your claim was undervalued or improperly denied, we can reopen the claim and negotiate with the insurance company for the appropriate amount of compensation.

If you are involved in a dispute with your condominium's insurance company, experienced condominium property damage claims attorney J.P. Gonzalez-Sirgo can evaluate your claim and advise you of your options.  Miami property damage claims lawyer J.P. Gonzalez-Sirgo welcomes the opportunity to answer your questions.  Mr. Gonzalez-Sirgo handles disputed claims in Miami and throughout Florida.  The Law Firm of J.P. Gonzalez-Sirgo, P.A. offers free consultations and case evaluations.  No Recovery, No Lawyer Fees.  Call 305-461-1095 or Toll Free 1-866-71-CLAIM.

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