Condominium properties comprise a large portion of real estate values across the United States. With the recent real estate construction boom in Miami-Dade and across Florida, even more condominium properties were built within the last 5 years than all of the last 25 years. Condominium associations are managed by condominium association boards which are comprised of condominium unit owners. Many of the board members are laypersons with no experience, knowledge, or skill in handling complex condominium association insurance claims. This is why we work with board members, condominium association's legal counsel, or property management companies to facilitate the handling of the insurance claim.
In Case Of Damage To Your Condominium Association Property
Mitigate, Document, Notify, and then CALL US Immediately
The moment that you notice damage to your condominium or homeowner association's property as a result of a covered loss, do as follows:
Use your best efforts to make temporary repairs so that the condition doesn't get worse. This will prevent the insurance company from later claiming that your damages are the result of your failure to mitigate your damages. For example, if you have a roof leak due to a hurricane, hire a roofer to put a tarp over the leak area. Try not to pay the repairman in cash for the temporary repairs and if you do have to pay in cash, get a receipt and his name and contact information. Submit the temporary repair receipts to your insurance company for payment.
Document, Document, and Document
Take pictures of all affected areas. Take video, if you can, of all affected areas. Hold on to any receipts and estimates for repairs. Get the contact information for any contractors that come to your property to give you estimates. Do not throw out any correspondence or documents that are sent to you by your insurance company. If you are mailing anything to your insurance company do it by certified mail, return receipt requested, and make copies of whatever you are sending for your records. Keep a journal of all your communications with your insurance company. If you become aware of any witnesses that have knowledge of any aspect of your claim, record their name and contact information. Don't throw out any of the damaged items.
Put your insurance company on notice of the condominium association's insurance claim. Call your insurance company and let them know what happened. Get the name of the insurance company adjuster assigned to your claim, his or her contact information, and the claim number.
Let us use our experience to help you. Call us for a FREE CONSULTATION.
You can reach Miami Insurance Claims Lawyer J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email Attorney Gonzalez-Sirgo directly at[email protected].