CONDO UNIT OWNER
Two Policies. One loss.
Condo unit owners face a coverage puzzle that most homeowners never encounter. When damage hits your unit, two insurance policies and two sets of responsibilities collide.
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I know exactly how to untangle that and get you paid. You do not need a denial to call. I can help from the moment damage occurs.
WHO IS THIS FOR
Any Florida condo unit owner whose claim has been denied, underpaid, or caught between two insurers.
As a condo unit owner you carry your own HO-6 policy for your unit's interior and personal property. Your association carries a master policy for the building structure and common areas. When damage occurs, the question of which policy applies and who is responsible for paying is rarely straightforward. Insurers on both sides use that complexity to their advantage.
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I represent Florida condo unit owners in disputes with their own insurer, the association's insurer, or both simultaneously. I understand exactly how Florida's condominium statutes divide coverage responsibility and I use that knowledge to cut through the dispute and get your unit repaired.
You do not need a denial to call. Whether your claim has not been filed yet, is under review, has been denied, or settled for less than it should have been, reach out. I can step in at any stage.
WHY CONDO UNIT OWNERS NEED AN ATTORNEY
The coverage puzzle works in the insurer's favor. Not yours.
01
Two policies means two insurers, both looking for a reason not to pay.
Your HO-6 insurer will tell you the damage is a building issue covered by the master policy. The association's insurer will tell you the damage originated inside your unit and is your responsibility. Meanwhile your unit goes unrepaired and both sides collect their premiums.
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This is not a misunderstanding. It is a strategy. Insurers know that condo unit owners often give up when coverage responsibility is disputed between two carriers. An attorney changes that calculation entirely.
"When two insurers point at each other, the unit owner is left in the middle. My job is to make sure that does not last long."
02
The master policy covers more than your association may tell you.
Florida law and most master policies require the association's insurer to cover damage to the original building structure and fixtures, including elements inside your unit. Many unit owners are told this is not the association's problem when in fact it clearly is under Florida statute 718.
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I review both your HO-6 and the master policy together against Florida's condominium statutes to identify exactly where coverage responsibility lies. That analysis alone often changes the outcome of a disputed claim.
"Most unit owners do not know what the master policy actually covers. That gap in knowledge is exactly what both insurers count on."
03
The best time to call is before anyone makes a decision.
Getting me involved before either insurer inspects or writes an estimate means I can be part of that process. I can make sure the full scope of damage is documented under the right policy, and that the correct party is put on notice.
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Condo unit claims that start with proper documentation and legal involvement from day one resolve faster and for more money than claims where an attorney gets involved after both insurers have already built their positions.
"You can call before you file. The earlier I am involved the more control we have over how both insurers frame the loss."
04
A denial from either insurer is not a final answer.
Whether your HO-6 insurer denied the claim, the association's insurer denied involvement, or both, none of those denials are legal rulings. They are opening positions that can be challenged with the right policy analysis and legal pressure.
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I review the denial, the policy language, the Florida statutes, and the facts of the loss to determine whether the insurer's position actually holds up. In many cases it does not.
"I can help evaluate whether a denial was proper and let you know your options if it is not."
05
No fees unless I recover for you.
I work on contingency. You pay nothing upfront and nothing at all unless I recover money on your claim. There is no financial risk in calling me. The only risk is not calling and accepting a settlement that does not cover what your policy actually entitles you to.
This also means my incentives are completely aligned with yours. I only win when you win. There is no scenario where it benefits me to settle for less than what your claim is actually worth.
My fees come from the recovery. If there is no recovery there is no fee. My incentives are completely aligned with yours from the first call to the final resolution.
WHAT I HANDLE FOR HOMEOWNERS
What type of damage do you have?
Condo unit damage can come from many sources and involve multiple policies depending on the origin of the loss. I handle every type of claim a Florida condo unit owner may face, whether the dispute is with your own insurer, the association's insurer, or both. This is not an exhaustive list. If the unit sustains damages during the policy period, it is worth a call.
Hurricane & Wind
Building envelope damage, window failures, water intrusion from wind. Coverage may fall under your HO-6, the master policy, or both.
Water Damage
Water from the unit above, pipe failures inside your unit, or building plumbing issues. Origin of the water determines which policy applies.
Flood Damage
Separate flood policies with strict deadlines. Both individual unit flood policies and association flood coverage may be relevant.
Fire & Smoke
Fire damage to the unit, smoke infiltration from a neighboring unit, HVAC contamination. Scope often extends beyond what either insurer initially acknowledges.
Mold Damage
Mold resulting from building moisture intrusion, roof failures, or neighboring unit leaks. Causation determines coverage and which insurer is responsible.
THE PROCESS
What happens when you call.
01
Free Case Review
I review your policy, the damage, and the insurer's position at no cost. You will know within the first conversation whether you have grounds to pursue more and what that process looks like.
02
I Build Your Case
I document the loss, retain the right experts, and build a legal strategy designed to counter whatever position the insurer has taken. You do not have to figure any of this out yourself.
03
Recovery
Through negotiation, appraisal, or litigation, I pursue every dollar your policy entitles you to. No fees unless I recover. No surprises. No fine print.
HAVE A DENIED OR UNDERPAID CLAIM? DON'T WAIT, DEADLINES APPLY.