What Florida Condo Associations Need to Know About Hurricane Milton Damage Claims
Hurricane Milton has left many Florida condo associations grappling with significant property damage. Managing a large-scale insurance claim, whether for roof damage, flooding, or broken windows, can be complex and overwhelming for condo boards. It’s important to understand the steps involved in filing a claim, how to protect the interests of the condo association, and how to avoid common pitfalls that could lead to delays or underpayment.
Here’s what every Florida condo association should know about handling damage claims after Hurricane Milton.
Understanding the Association’s Insurance Policies
Condo associations typically have a master insurance policy that covers the exterior of the building, common areas, and shared property. However, each unit owner may have an insurance policy (HO-6) covering personal property and interior. After Hurricane Milton, it’s essential to review these policies to determine what types of damage are covered under the master policy and what falls under individual owners’ responsibility.
Key areas covered by a master policy may include:
- Roofing and exterior walls
- Windows and doors of common areas
- Elevators, hallways, and recreational facilities
- Electrical, plumbing, and HVAC systems in common areas
Unit owners’ policies typically cover personal belongings, improvements within the unit, and possibly loss of use.
Assessing Hurricane Milton’s Damage
After the hurricane, thoroughly inspect all common areas and the building’s exterior thoroughly. Condo associations should hire licensed contractors or engineers to assess the extent of the damage. Remember that damages might not always be visible immediately; water damage, mold, or structural weaknesses can manifest later. Document all findings with photos, videos, and detailed reports; this evidence will be crucial for your claim.
Filing a Timely Insurance Claim
One of the most important steps in recovering after Hurricane Milton is to file your insurance claim promptly. Florida law generally requires claims to be filed within a reasonable timeframe, and any delays could result in claim denial. Make sure to:
- Report the damage to your insurance company as soon as possible.
- Provide the necessary documentation, including damage assessments, repair estimates, and emergency repair costs.
Be mindful of deadlines and the specific requirements of each insurer to ensure the claim progresses smoothly.
Common Reasons Condo Association Claims Are Denied or Underpaid
After a major hurricane, Florida condo associations often encounter difficulties dealing with insurance companies. Here are some common reasons claims are denied or underpaid:
- Insufficient documentation: Failing to provide detailed evidence of the damage or incomplete estimates can lead to claim denial.
- Pre-existing damage: Insurers may claim that some of the damage existed before the hurricane and was not caused by the storm, resulting in reduced payouts.
- Disputes over covered areas: There may be disagreements over which damages fall under the master policy versus individual unit owner policies, leading to confusion and delays.
- Low initial settlement offers: Insurance companies often offer lower amounts than needed for full repairs, hoping condo associations will settle quickly.
The Role of a Florida Insurance Lawyer in Hurricane Milton Claims
Condo associations facing significant property damage from Hurricane Milton should consider working with a Florida insurance lawyer to help navigate the claims process. Our insurance claim lawyers can:
- Review insurance policies: An attorney can analyze the master and individual policies to clarify coverage and obligations, ensuring all damages are properly claimed.
- Negotiate with insurers: Insurance companies often try to minimize payouts. A lawyer can negotiate on behalf of the condo association to ensure a fair settlement and counter low offers.
- Assist with documentation: Legal guidance ensures that all damage assessments, repair estimates, and reports are properly documented to strengthen your claim.
- Pursue litigation if necessary: If the insurance company continues to delay or deny a valid claim, an experienced lawyer can file a lawsuit to recover the full compensation owed to the condo association.
Handling Disputes Over Wind vs. Flood Damage
One of the most common issues after hurricanes in Florida is the distinction between wind and flood damage. Many insurance policies cover wind damage caused by hurricanes but exclude flood damage, which requires separate flood insurance. Condo associations may face disputes over whether the damage was caused by wind (covered) or flooding (not covered).
Williams Law, P.A. can help provide expert guidance in these cases, advocating for the association and working with independent adjusters or engineers to document the damage as wind-related, if applicable, properly.
Managing Repairs and Insurance Funds
Once your claim is approved, it is essential to manage the repair process efficiently. In many cases, the insurance company will release funds in stages based on the progress of repairs. Your attorney can help ensure that funds are released on time and according to the policy terms.
In some instances, disputes may arise regarding the adequacy of the repair payout or the speed at which funds are disbursed. Our expert insurance claim lawyers can work on your behalf to resolve these issues, ensuring repairs are completed without unnecessary delays.
Why Condo Associations Should Consider Reopening a Hurricane Milton Claim
In the months following Hurricane Milton, condo associations may discover additional damage that wasn’t initially apparent. For example, water intrusion or mold may become visible after initial repairs. If this occurs, the association may need to reopen the claim to seek additional compensation. An insurance lawyer can help navigate this process to ensure your association receives the funds necessary for all repairs.
Conclusion
Dealing with hurricane damage claims can be overwhelming for any condo association. The complexities of master policies, overlapping coverages, and insurance company tactics make it critical to proceed with caution and expert guidance. By taking the right steps—documenting the damage, understanding your insurance policy, and consulting with a Florida insurance lawyer—your condo association can better navigate the claims process and ensure your property is restored quickly and effectively after Hurricane Milton.
If your condo association is struggling with a hurricane damage claim, don’t hesitate to contact Williams Law, P.A. at 1-800-451-6786 or complete our online contact form to schedule your free consultation.