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 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 / Condo Building Policy):
In most circumstances it covers the building’s structure, roof, shared walls, hallways, elevators, lobbies, and common areas such as pools and clubhouses.
HO-6 Homeowners Policy (Unit Owner Policy):
Covers the interior of the condo — drywall texture inward, paint, flooring, baseboards, cabinetry, and personal belongings..

When a storm or a leak causes interior water damage to a single unit or multiple shared units (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 condominium policies to determine coverage responsibility and help coordinate the claim process between all parties.

Master Policy vs. HO-6 Homeowners Policy: 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 smoke, mirrors and red tape. We gather evidence, inspect damages, and negotiate directly with the appropriate carrier to ensure you’re paid what you’re owed. Sometimes it can be from both policies.

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. In hurricane situations an assessment can offset the HOA’s hurricane deductible.

Depending on which carrier is involved, we may be able to help prevent assessments by the HOA coming out of your pocket. We documenting every loss in detail and push 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 (POL) 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.