From Stuart to Port St. Lucie and Palm Beach Gardens, Treasure Coast residents love the convenience of condo and HOA living — until storm season hits. After a hurricane, burst pipe, or roof leak, one question always causes confusion: Who pays — the homeowner or the association?
At Ocean Point Public Adjusters, headquartered right here on the Treasure Coast, we help condo owners, HOAs, and property managers across Martin, St. Lucie, and Palm Beach Counties navigate complex insurance claims and get paid fairly.
Master Policy vs. Unit-Owner Policy — The Basics for Florida Condo Owners
Florida law (Statute 718.111 (11)) requires every condominium association to carry a master policy that covers the building’s structure and shared systems — roofs, elevators, lobbies, and plumbing between units.
Your HO-6 policy, on the other hand, typically covers:
- Interior drywall, flooring, and cabinets
- Appliances, furniture, and personal belongings
- Loss of use (hotel stay or rental if your home’s unlivable)
If you live in a community like Harborage Yacht Club, Palm Cove, or Ballantrae, your bylaws may spell out which areas are shared versus private. Reviewing those details can save you thousands when filing a claim.
Common Treasure Coast Scenarios and Who’s Responsible
1. Roof Leaks After a Hurricane
After storms like Ian or Nicole, roof and exterior structure repairs fall under the association’s master policy, while interior drywall, flooring, and furnishings fall on the unit owner’s policy.
2. Plumbing Failures Between Units
Shared supply lines or risers are typically the association’s responsibility.
If the break occurs within your walls or fixtures, your HO-6 policy pays for interior restoration.
3. Fire or Smoke Damage in Multi-Story Condos
If a fire starts in one unit and spreads, both the master policy and individual policies come into play. A public adjuster coordinates between insurers to make sure every party’s loss is covered correctly.
4. Water Intrusion & Mold
On the Treasure Coast, humidity and heavy rains make mold growth fast and costly. Associations often try to deny responsibility — but Ocean Point can step in, document source and cause, and hold the right policy accountable.
Why Condo & HOA Claims Are Especially Complex in Coastal Florida
Condos in Martin and St. Lucie Counties often share systems that run through multiple units, while exposure to salt air, high winds, and flooding complicates cause-of-loss investigations. Add multiple insurers and property managers, and disputes are common.
That’s where a local, licensed public adjuster becomes invaluable.
How Ocean Point Helps Condo Owners and HOAs
Our team of Florida-licensed public adjusters serves the entire Treasure Coast — from Hobe Sound to Vero Beach — providing:
- Master policy and HO-6 reviews to determine who pays for what
- Complete photo and moisture documentation for every loss
- Claim negotiation with both association and personal insurers
- Re-opening of denied or underpaid claims
- 24/7 emergency claim response after storms
“We represent policyholders only — never insurance companies.”
Filing a Condo or HOA Claim — Step-by-Step
- Notify your property manager or board immediately after discovering damage.
- Collect evidence: photos, videos, receipts, and correspondence.
- Get copies of the master policy and bylaws.
- Call Ocean Point Public Adjusters for a free review before filing.
- Let our team coordinate the process — we’ll ensure both the association and insurer pay their fair share.
Protecting Treasure Coast Communities, One Claim at a Time
From historic Downtown Stuart condos to Jensen Beach waterfront HOAs, Ocean Point Public Adjusters has helped hundreds of Florida policyholders secure full settlements for hurricane, water, fire, and mold damage.
Call us today for a free condo or HOA claim review.
Let a local Treasure Coast expert ensure your claim is handled properly — and that you get every dollar you’re entitled to.
Quick Takeaways
- Master policy = building & shared systems
- HO-6 policy = interior finishes & belongings
- Public adjusters coordinate complex multi-party claims
- Local expertise matters for hurricane and water losses
- Ocean Point represents Treasure Coast policyholders, not insurers
