HOA & Condo Claims
HOA & Condo Claims
If you own a condo or live in an HOA-governed community, your insurance situation is more complex than a standard homeowner's.
(727) 624-1056$5M+
Recovered
500+
Claims Won
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Success Rate
Condo Insurance Is Different. Your Advocate Should Be Too.
If you own a condo or live in an HOA-governed community, your insurance situation is more complex than a standard homeowner's. The HOA has a master policy that covers common areas and sometimes the building structure. You have an individual policy (HO-6) that covers your unit interior, personal property, and liability.
The lines between what the HOA covers and what you cover are often blurred — and carriers exploit that blur. Drew the Adjuster has 10+ years of experience navigating condo and HOA claims in Florida and Texas. We review both the master policy and your individual policy so you know exactly what's covered and who pays for what.
Whether it's storm damage, water intrusion, or fire, we make sure your unit gets fully repaired and your settlement isn't shortchanged by HOA paperwork.
What a Condo/HOA Claim Can Include
Condo claims require understanding both the master policy and your HO-6 policy. Coverage gaps, special assessments, and dual-claim coordination are common challenges.
Unit Interior Damage
Drywall, flooring, cabinets, fixtures, and built-in appliances within your unit boundaries — covered under your HO-6 policy.
Built-in & Upgraded Features
HOA master policies often only cover basic/original fixtures. Upgrades you paid for (granite counters, hardwood floors) need separate documentation.
Personal Property
Furniture, electronics, clothing, and personal items damaged by the covered event are included in your claim.
Loss of Assessments
If the HOA levies a special assessment to cover deductible or master policy gaps, your HO-6 may cover it. We document this.
Additional Living Expenses
If your unit is uninhabitable, your HO-6 covers hotel stays, meals, and other relocation costs during repairs.
Planning Ranges for Condo/HOA Claim Settlements
| Damage Category | Typical Settlement Range | Average |
|---|---|---|
| Minor unit damage | $5,000 - $20,000 | $10,000 |
| Moderate unit damage | $20,000 - $60,000 | $35,000 |
| Major unit damage + ALE | $40,000 - $120,000+ | $70,000 |
| Special assessment recovery | $5,000 - $30,000 | $12,000 |
Broad planning ranges. Condo claim values depend on unit size, finish level, HOA master policy type (bare walls vs. single entity), and special assessment amounts.
Our Condo/HOA Claim Process
1
Claim Dive
Dive deep into the heart of your claim, uncovering every hidden detail and nuance. Start with a comprehensive understanding.
2
Focused Strategy
With clear vision comes focus. We sharpen our strategy to pinpoint accuracy, ensuring every action hits the mark.
3
Confident Resolution
Walk the path of confidence. Know that with us, your claim's resolution is not just favorable — it's optimal.
Why Homeowners Choose Drew the Adjuster for HOA & Condo Claims
We understand master policy types, bylaws, and the unique dynamics of condo insurance in FL and TX.
We review both the HOA master policy and your HO-6 to identify coverage gaps and ensure complete restoration.
We document your unit's upgraded features so you're not stuck with HOA-minimum rebuild standards.
We only get paid when we recover money for your claim.
HOA & Condo Claims in Cities We Serve
We provide HOA & Condo Claims across Florida & Texas. Click below for service details in your city.
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Learn MoreFrequently Asked Questions About HOA & Condo Claims
What's the difference between my HO-6 policy and the HOA master policy?
The HOA master policy covers common areas and typically the building structure. Your HO-6 covers your unit interior, personal property, and liability. We review both to clarify coverage.
What if the HOA's master policy has a high deductible?
Many policies include Loss of Assessment coverage that reimburses your share of the HOA deductible. We document this for you.
Do I need a public adjuster for a condo claim?
Yes. Condo claims involve more moving parts than standard homeowner claims. A PA ensures your unit gets fully restored, not just to HOA-minimum standards.
Can you help coordinate with the HOA?
Yes. We communicate with the HOA and their adjuster to ensure your unit claim and the master claim are properly coordinated.