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 for roof damage, flooding, or broken windows can be complex and overwhelming for condo boards. It’s essential 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.
Understanding the Condo 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 the 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, in some cases, loss of use.
Hurricane Milton’s Damage
After the hurricane, thoroughly inspect all common areas and the building’s exterior. Condo associations should hire licensed contractors or engineers to assess the extent of the damage. Remember that damages may not always be immediately visible; 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 critical 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; any delays may result in the denial of the claim. 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 and efficiently.
Navigating Claim Challenges
Hurricane Milton’s scale—coming just weeks after Hurricane Helene—has insurers scrambling, and condo associations are feeling the squeeze. Here are the hurdles you’re likely to face:
- High Denial Rates: Insurers may argue that damage predated Milton (e.g., “That roof was already worn out!”) or stemmed from underlying causes, such as flooding. Standard policies exclude flood damage unless you’ve purchased separate flood insurance—a detail many associations overlook until it’s too late.
- Underpayment Woes: Payouts frequently fall short of repair costs even when claims are approved. A $50,000 settlement sounds excellent until the contractor’s bill hits $80,000. Adjusters may lowball estimates or drag their feet, banking on your desperation to accept less.
- Coverage Tug-of-War: Unit owners might claim the association’s master policy should cover water damage inside their units, while the association points to their HO-6 policy. These disputes can stall repairs and fray community relations.
The key? Don’t take “no” at face value. Question denials, demand detailed explanations, and lean on your documentation to fight back.
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 and ensure all damages are correctly 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 appropriately 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 following hurricanes in Florida is distinguishing 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 provide expert guidance in these cases, advocating for the association and collaborating with independent adjusters or engineers to accurately document the damage as wind-related, if applicable.
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.
Does Your Condo Association Need Legal Support?
Insurance claims for condo associations are inherently complex, involving multiple stakeholders, extensive damage assessments, and intricate policy details. Our skilled insurance lawyers can:
- Ensure all relevant damages are included in the reopened claim.
- Challenge insurers that fail to honor the policy terms.
- Expedite the claims process to avoid further delays in repairs.
How Williams Law, P.A. Can Help
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 proper 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.
Don’t let your insurance company take advantage of you during this difficult time. Let us handle the legal complexities of your Hurricane Milton insurance claim so you can focus on rebuilding. Contact Williams Law, P.A. at 1-800-451-6786 or complete our online contact form to schedule your free consultation.