TELL ME YOUR STORY

When a storm or system failure hits a community, the insurance claim becomes a complex project. Timelines, master policy conditions, common element boundaries, and multiple stakeholders all converge. I represent condominium and cooperative associations and their boards across Florida. I coordinate with property managers and unit owners as needed while representing the association.

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WHAT I DO

 

I file the claim, manage insurer communications and inspections, and document every part of the loss with photos, inventories, expert reports, and supported estimates. I prepare proofs of loss, guide witnesses through recorded statements and examinations under oath, handle reinspection and appraisal, and pursue mediation or litigation when it advances your outcome. I track statutory and policy deadlines, keep the file compliant, and provide clear updates so boards can make informed decisions.

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COMMON LOSSES AND COVERAGES

 

I routinely handle hurricane and windstorm damage to roofs and building envelopes, interior water intrusion from pipe breaks or sudden discharge, fire and smoke, electrical and surge events, theft and vandalism, and accidental collapse. Coverage issues often include code required upgrades under ordinance or law, debris removal and matching concerns, and where applicable fungus limits when tied to a covered water loss.

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ASSOCIATION SPECIFIC ISSUES

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Condominium claims raise questions under the Florida Condominium Act, especially how a master policy interacts with unit owner responsibility and where common element and unit boundaries fall. I help boards allocate interior buildback, coordinate with unit owners and their carriers, address large deductibles and any special assessments, document board actions such as meeting minutes and vendor selection, and manage access logistics. For communities with multiple buildings, I maintain consistent scopes and pricing across contractors and phases.

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WHY INVOLVE COUNSEL EARLY

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Carriers expect professional level documentation for large and complex losses. Early involvement prevents missed conditions, manages the flow of information, and keeps the timeline on track. I build the file around the questions adjusters and engineers use to decide payment so decision makers have what they need the first time. I push back on catch all wear and tear or preexisting damage labels, partial payments based on incomplete scopes or low unit pricing, repetitive document requests that stall progress, and denials based on limited inspections.

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FIRST STEPS

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Protect life safety and prevent further damage if it can be done safely. Photograph interiors, roofs, mechanical and electrical systems, and any affected common areas. Save invoices, work logs, moisture maps, and meeting minutes. Centralize communication with a single point of contact for the insurer. Speak with counsel before any recorded statement, proof of loss, or release.

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FREQUENTLY ASKED

 

Do you take over delayed or underpaid claims?
 

Yes. I can step in at any stage, organize the file, challenge the result, and move the claim forward.

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Will we have to go to court?

Many association claims resolve through negotiation, appraisal, or mediation. If litigation becomes the best option, I explain why and handle the process.

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Do you work with property managers and outside experts?

Yes. I coordinate with managers, engineers, contractors, estimators, and forensic accountants while representing the association.

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GET HELP

 

I will review your situation, outline your best options, and start taking tasks off your plate immediately. Call 813 444 4991 or use the form below for a free case evaluation.