Step 01
Policy audit & site review
We walk the property and read every endorsement on your policy, so coverage the carrier won’t volunteer doesn’t slip through.
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Condominium Association ClaimsA common-area loss is a commercial loss.
When a covered loss hits a condominium building, the association’s claim is a commercial claim, and the board carries a fiduciary duty to pursue it fully. Underpay it, and the shortfall lands on unit owners as a special assessment.
Condo Buildings lossesthe building, not the unit.
In Florida, a loss to a condominium association building, the common-element structure rather than an individual unit owner’s property, is treated as a commercial loss. That single fact changes everything about how the claim is adjusted: manuscript policies, complex deductibles, and the carrier’s most experienced adjusters.
A condo board sits under a fiduciary duty to the owners it represents. Accepting an underpaid settlement is not a neutral act, the gap between what the loss actually costs and what the carrier pays becomes a special assessment against every unit. Recovering the full claim is how a board protects its members.
We work with associations and their property managers to document the entire common-element loss, interpret the association policy against the declarations, and negotiate a settlement that keeps repairs off the owners’ backs. While the board governs, we handle the claim.
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Each loss is unique,what boards have to get right.
Every policy and coverage set is different. Still, certain issues turn up on nearly every condo buildings claim. If they aren’t planned for and documented properly, they quietly cost you money.
Common element vs. unit-owner property
The line between association property and individual units decides what the association policy covers. Drawn wrong, damage gets shifted to the wrong policy, or left uncovered entirely.
Special-assessment exposure
Every dollar the carrier underpays is a dollar the owners cover through assessment. Full recovery is not just a claims outcome, it is the board’s fiduciary obligation.
Association deductibles
Association policies often carry large or percentage-based hurricane deductibles. How and against what the deductible applies materially changes the net check.
Reserves & the funding gap
Post-Surfside, reserve rules are stricter and repair scopes larger. An underpaid claim collides with reserve requirements and forces hard funding decisions on the board.
Code upgrades & law and ordinance
Repairing an older building to current code, including structural and life-safety upgrades, is expensive. Law-and-ordinance coverage pays for it when the claim demands it.
Documenting a large, multi-building loss
A campus of buildings, garages, pools, and amenities is a documentation project. The claim that resolves cleanly is the one built completely from the start.
You run the property,we run the claim.
Step 02
Documentation & expert coordination
Inventory, photos, financial records, engineers and forensic accountants where the loss calls for them. The file gets built once, and it gets built right.
Step 03
Negotiation & settlement
We negotiate the deductible, salvage, business interruption, and final settlement directly with the carrier. You hear the result, not the noise.
The carrier’s best peopleare already on your file.
Insurance companies put their most experienced adjusters on commercial claims because the claims are so complex. That isn’t a knock on the carrier, it’s a signal of how much is at stake. You should have someone with equal experience on your side.
We represent you, not the insurance company, Florida licensed and bonded.
We audit deductible application and salvage allocation, two places carriers quietly recover margin.
We assemble the right experts, engineers, accountants, contractors, when the loss calls for them.
What ownersask us first.
- Why is a condo association loss considered commercial?
- In Florida, the association insures the building and common elements as an entity, not as a residence. A loss to that common-element structure is adjusted as a commercial property claim, with the manuscript policies, complex deductibles, and experienced carrier adjusters that come with commercial losses.
- How does hiring a public adjuster protect the board?
- Board members owe a fiduciary duty to unit owners. Accepting an underpaid settlement can leave the association short and force a special assessment onto owners. Engaging a licensed public adjuster to pursue the full documented loss is a direct way for a board to meet that duty.
- Will this help us avoid a special assessment?
- The goal is to close the gap between the actual cost to repair and what the carrier pays, because that gap is what typically becomes an assessment. We cannot promise a specific number, but recovering the full claim is the single biggest lever a board has against assessing its owners.
- What does it cost?
- Nothing up front. We work on contingency, no recovery, no fee. Our fee is a percentage of the settlement we secure for you.
Other commercial property we handle
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Get a licensed public adjuster on your file before the carrier’s most experienced adjuster sets the tone. A short conversation today can change the trajectory of your claim.
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