HOA & Condo Association Insurance Claims in Florida
Florida public adjuster for HOA and condo insurance claims
When Condo and HOA Insurance Claims Get Complicated — We Step In.
Condo and homeowners’ associations in Florida face unique challenges when property damage strikes. From wind and roof leaks to flood and fire losses, it can be confusing to know what’s covered by the master policy vs. what falls under an individual unit owner’s HO-6 policy.
Ocean Point Claims Company, LLC helps HOA boards, condo associations, and individual owners navigate these complex insurance claims — ensuring every covered dollar is recovered quickly and fairly.
Understanding Who’s Responsible: HOA vs. Unit Owner
In condo and HOA communities, damage responsibility is divided between the association’s master policy and the unit owner’s personal policy (commonly called the HO-6).
- Master Policy (Association Policy):
Covers the building’s structure, roof, shared walls, hallways, elevators, lobbies, and common areas such as pools and clubhouses. - HO-6 Policy (Unit Owner Policy):
Covers the interior of the condo — drywall inward, flooring, cabinetry, personal belongings, and interior water damage.
When a storm or leak affects multiple units or shared systems (like plumbing or roofing), it’s often unclear who should file the claim — and that’s where we come in.
Ocean Point’s licensed public adjusters review both the master and individual HO-6 policies to determine coverage responsibility and help coordinate the claim process between all parties.
Master Policy vs. HO-6: Avoiding Finger-Pointing
Insurance companies often delay or deny condo claims by blaming “the other policy.” Associations are told it’s the owner’s problem — and owners are told it’s an association issue.
Our adjusters cut through the red tape. We gather evidence, inspect damages, and negotiate directly with each carrier to ensure both policies pay what they owe. Typical covered losses include:
- Roof leaks and storm damage
- Water damage from plumbing or HVAC lines between units
- Fire, smoke, and electrical damage
- Wind and hurricane damage to shared exteriors
- Mold and secondary water intrusion
Special Assessments and Common Area Repairs
When a large claim affects an entire building, associations may face special assessments to cover repairs not fully paid by insurance.
We help prevent that. By documenting every loss in detail and pushing for full coverage under the master policy, Ocean Point helps associations avoid unnecessary assessments and financial strain on residents. We also assist with:
- Engineering reports and roof inspections
- Damage mapping for multi-unit buildings
- Proof-of-loss submissions for shared systems and common areas
Why Condo and HOA Boards Choose Ocean Point
- Licensed Florida Public Adjusters with extensive HOA and condo experience
- Proven success with hurricane, water, and roof claims statewide
- No Recovery, No Fee – You pay only when we secure your settlement
- 24/7 service and direct communication with your association board or property manager
- Comprehensive documentation to minimize disputes and prevent underpayment
Let’s Review Your HOA or Condo Claim
If your condo building, shared roof, or common area has been damaged, don’t risk delays or denials. Ocean Point Claims Company will help you determine coverage, file your claim correctly, and secure the maximum settlement for your community.
📞 Call (561) 922-7304 or request a free policy review today.