Your Association
Has a Policy.
Make Them
Honor It.
CONDOMINIUM ASSOCIATION
Condominium association insurance claims are among the most complex in Florida property law. Nearly a decade resolving them has given me a very clear picture of what your master policy requires and what it takes to get there.
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You do not need a denial to call. I can advise your board before the claim is filed, during the adjustment process, after a denial, or at any point in between.
WHO IS THIS FOR
Any Florida condominium association whose insurer is not paying what the master policy requires.
Condominium association insurance claims involve master policies, shared building envelopes, common area damage, individual unit owner obligations, and coverage questions that go far beyond a standard property claim. Association boards are responsible for navigating that complexity without always having the legal background to evaluate what the policy actually requires versus what the insurer says it requires.
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I have been representing Florida condominium associations since 2016. I work directly with boards and property managers, I understand the interplay between Florida's condominium statutes and master policy language, and I know what your policy requires and how to pursue it.
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 CONDOMINIUM ASSOCIATIONS NEED AN ATTORNEY
Nearly a decade resolving the most complex association claims in Florida.
01
The adjustment process moves faster than most boards realize.
The moment a large loss is reported the insurer mobilizes. They send an adjuster, they document the scene from their perspective, and they begin building a file. Your board is still trying to understand the scope of the damage while the insurer is already writing an estimate.
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Getting me involved early puts legal involvement in that process from the start. I can be on site, I can challenge the scope of the insurer's adjuster, and I can make sure nothing is missed before positions are established.
"Association claims are decided early in the process. Getting the right people involved before estimates are written is one of the most important things a board can do."
02
Master policies are complex and not always easy to evaluate without help.
Association master policies are among the most technical insurance documents in Florida. Coverage for the building structure, common areas, unit interiors, and betterments and improvements all interact differently depending on how the policy is written. Master policies contain exclusions and limitations that interact in ways most boards are not equipped to evaluate without legal help.
"Understanding what a master policy actually covers versus what the insurer says it covers is the single most important question in any association claim. That is where I start."
03
Your board has a fiduciary obligation to pursue every dollar available.
Association board members are fiduciaries. They have a legal obligation to act in the best interest of the unit owners they represent. Accepting a settlement that does not cover the full scope of the loss, or failing to challenge a denial that is legally incorrect, is a breach of that obligation.
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I work with boards to fulfill that obligation. My job is to make sure the association pursues the full recovery its unit owners are entitled to so that the repair process can move forward completely and correctly.
"Pursuing the full value of a claim is not optional for a board. It is part of the fiduciary responsibility that comes with the role. I help associations meet that standard."
04
A denial or low offer is not the end of the process.
Many association boards accept the insurer's initial settlement offer or denial because they believe they have no further options. In many cases they do. A denial or a low settlement offer are an opening position, not a legal ruling. Both can be evaluated and challenged.
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I evaluate every denial and every settlement offer against the policy language and Florida law. If the position does not hold up, I pursue the association's recovery through negotiation, appraisal, or litigation until it receives what the policy requires.
"I can help evaluate whether a denial was proper and let your board know the 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 type of loss does your association have?
WHAT I HANDLE FOR CONDOMINIUM ASSOCIATIONS
Association claims can involve the building structure, common areas, unit interiors, and shared systems all under a single master policy. I handle every type of loss a Florida condominium association may face. This is not an exhaustive list. If the association sustains damages during the policy period, it is worth a call.
Hurricane & Wind
Roof systems, building envelope, common areas, and unit damage from wind and storm surge. The most common and most contested association claim type in Florida.
Water Damage
Building plumbing failures, roof leaks, and water intrusion affecting common areas or multiple units. Origin and scope determine coverage under the master policy.
Flood Damage
Association flood policies under NFIP or private carriers with strict deadlines and specific documentation requirements distinct from standard property claims.
Fire & Smoke
Building structure fire damage, smoke infiltration through shared systems, and common area losses that extend far beyond the visible burn zone.
Mold Damage
Mold resulting from building envelope failures, roof leaks, or plumbing issues. Causation ties directly to the master policy coverage determination.
What happens when your board call.
THE PROCESS
01
Free Board Consultation
I review the master policy, the loss, and the insurer's current position with your board and property manager at no cost. You will leave the first conversation with a clear picture of what the policy requires, what the association is entitled to, and what the path forward looks like.
02
I Build the Association's Case
I document the loss, retain the right engineers, contractors, and experts, and build a legal strategy grounded in the master policy language and Florida's condominium statutes. Your board communicates with me directly throughout the process.
03
Recovery
Through negotiation, appraisal, or litigation I pursue every dollar the master policy entitles your association to. No fees unless I recover. No surprises. Your unit owners get the full repair their assessments paid for.
HAVE A DENIED OR UNDERPAID CLAIM? DON'T WAIT, DEADLINES APPLY.