Master-policy disputes
Most condo master policies cover "original" construction as installed by the developer: walls-in vs. walls-out interpretation varies by policy form. Disputes we see most often:
- Flooring coverage (original tile vs. owner upgrade)
- Cabinetry (stock vs. custom)
- HVAC (common-area vs. unit-owned)
- Interior drywall (original vs. owner-rebuilt)
SB 4-D pressure
Milestone structural inspections required by Fla. Stat. 553.899 are identifying deferred maintenance and structural issues. Associations are increasingly trying to route these into a property-insurance claim when the underlying damage has a covered cause of loss.
Unit-owner assessment coverage
Most HO-6 policies include "Loss Assessment" coverage (commonly $1,000–$50,000). When the association levies a special assessment after a covered loss, unit owners can typically claim under this coverage, but the claim must be properly structured.
Where a PA helps
- Coordinate the master-policy claim at the association level
- Review individual unit-owner HO-6 policies for assessment coverage
- Manage the interplay between association claim and unit-owner claims