Condominium & HOA Property Claims

Unlike single family homes, condos involve multiple parties, overlapping responsibilities, shared structures, and multiple insurance policies. When damage occurs — whether from water, storms, mold, fire, plumbing failures, or structural issues — the question becomes: Who is responsible? The unit owner? The HOA? The master policy? The individual policy?

Insurance companies take advantage of this confusion. They delay, deny, or underpay claims by pointing fingers at the HOA, the unit owner, or another insurer. At Finman Law Group, we cut through the confusion and fight aggressively to make sure the correct insurance company pays what they owe.

Understanding Condo & HOA Property Claims

Condo buildings have two main types of insurance coverage:

1. The Master Policy (HOA Policy)

Covers:

• Roofs
• Exterior walls
• Common areas
• Elevators
• Hallways
• Lobbies
• Structural components
• Plumbing systems (in many cases)
• Electrical systems
• Shared HVAC systems

2. The Unit Owner’s Policy (HO6 Policy)

Covers:

• Interior walls
• Flooring
• Cabinets
• Appliances
• Personal belongings
• Interior plumbing fixtures
• Interior electrical fixtures
• Additional living expenses

Insurance companies often try to shift responsibility between these two policies to avoid paying. We make sure the right policy pays the right amount.

Why Condo & HOA Claims Are Often Denied or Underpaid

Condo claims are expensive and complicated. Insurers use predictable tactics to avoid paying full value.

Common Insurance Company Excuses

• “Damage is the HOA’s responsibility”
• “Damage is the unit owner’s responsibility”
• “Wear and tear”
• “Long-term seepage”
• “Improper maintenance”
• “No storm-created opening”
• “Damage not caused by a covered peril”
• “Cosmetic damage only”
• “Insufficient documentation”

These excuses are designed to save the insurer money — not to protect your property.

Finman Law Group knows how to challenge every one of these tactics.

Common Types of Condo & HOA Property Damage

1. Water Damage

One of the most common condo claims. Water can come from:

• Roof leaks
• Plumbing leaks
• Burst pipes
• AC leaks
• Water heater failures
• Storm-driven rain
• Neighboring units

Visit our Water Damage Claims page for more details.

2. Mold Damage

Moisture spreads quickly in multiunit buildings.
See our Mold Damage Claims page.

3. Roof & Exterior Damage

Wind, hail, and hurricanes frequently damage condo roofs and exteriors.
Visit our Roof Damage Claims and Windstorm Damage Claims pages.

4. Hurricane Damage

Hurricanes cause widespread destruction across Florida and Texas.
See our Hurricane Damage Claims page.

5. Fire & Smoke Damage

Fires in condos spread quickly through shared walls and ventilation systems.
Visit our Fire & Smoke Damage Claims page.

6. Lightning Damage

Lightning can destroy electrical systems and appliances in multiple units.
See our Lightning Damage Claims page.

7. Sinkhole Damage

Sinkholes can destabilize entire condo buildings.
Visit our Sinkhole Damage Claims page.

Responsibility Disputes: HOA vs. Unit Owner

One of the biggest challenges in condo claims is determining who is responsible for what. Insurance companies exploit this confusion to avoid paying.

Typical HOA Responsibilities

• Roof
• Exterior walls
• Foundation
• Common plumbing lines
• Common electrical systems
• Shared HVAC systems
• Elevators
• Hallways and common areas

Typical Unit Owner Responsibilities

• Interior walls
• Flooring
• Cabinets
• Appliances
• Interior plumbing fixtures
• Interior electrical fixtures
• Personal belongings

But every condo association has different bylaws — and insurers often misinterpret them.

Finman Law Group reviews:

• HOA bylaws
• Master policy
• Unit owner’s policy
• Maintenance records
• Engineering reports

We determine exactly who is responsible and force the correct insurer to pay.

How Condo Damage Spreads

Damage in a condo rarely stays in one unit. Water, mold, smoke, and structural issues can spread through:

• Shared walls
• Ceilings
• Floors
• Plumbing chases
• Electrical conduits
• HVAC ducts
• Common areas

Insurance companies often ignore secondary damage to reduce payouts. We make sure they don’t.

Florida & Texas Laws Protect Condo Owners & HOAs

Both states require insurance companies to:

• Investigate promptly
• Pay undisputed amounts quickly
• Evaluate all storm-related and water-related damage
• Follow building code requirements
• Provide written explanations for any denial or reduction

If the insurer fails to meet these obligations, they may be acting in bad faith.

Finman Law Group uses state laws to hold insurers accountable.

How Finman Law Group Fights Condo & HOA Insurance Disputes

When you hire us, we take over the entire process and build a strong case for full compensation.

1. We Conduct a Full Property Assessment

We work with:

• Engineers
• Roofers
• Water mitigation experts
• Mold assessors
• Contractors
• HVAC specialists
• Public adjusters

We document every area of damage the insurer ignored.

2. We Determine Responsibility

We analyze:

• HOA bylaws
• Master policy
• Unit owner’s policy
• Maintenance records
• Prior repairs

We identify which insurer is responsible — and force them to pay.

3. We Challenge Lowball Estimates

Insurers often use outdated pricing or incomplete scopes of work.

4. We Demand Full Repairs — Not Patchwork

Condo repairs often require:

• Roof replacement
• Drywall and insulation replacement
• Flooring replacement
• Electrical repairs
• Mold remediation
• Plumbing repairs

We ensure the insurer pays for what’s necessary.

5. We File Supplemental Claims

If the insurer missed or undervalued damage, we reopen the claim.

6. We Pursue Bad Faith Damages

If the insurer acted unfairly, they may owe additional compensation.

7. We Litigate When Necessary

If the insurer refuses to pay, we take them to court.

Our mission is simple: make the insurance company pay what they owe — nothing less.

What To Do After Condo or HOA Property Damage

1. Document everything

Take photos and videos of all damage.

2. Notify both the HOA and your insurer

Both parties must be informed immediately.

3. Don’t throw away damaged materials

They are evidence.

4. Request copies of all policies

We review:

• Master policy
• HO6 policy
• HOA bylaws

5. Don’t accept the first offer

It’s almost always too low.

6. Call Finman Law Group at 7867869633

We take over communication with the insurer immediately.

Frequently Asked Questions

Does the HOA or the unit owner pay for the damage?

It depends on the bylaws and the cause of loss. We determine responsibility.

Does homeowners insurance cover condo damage?

Yes — but only for interior components unless additional coverage applies.

Can I reopen a condo claim?

Yes. You can file a supplemental claim if the insurer underpaid or missed damage.

Do I pay anything upfront?

No. You pay nothing unless we win.

Why Choose Finman Law Group

• Aggressive representation
• Deep experience with condo, HOA, and multiunit claims
• Florida + Texas insurance law expertise
• No upfront fees
• Full support from intake to litigation
• Community focused, client first approach

We fight for condo owners and associations when they need it most.

Protect Your Condo. Protect Your Rights.
Call Finman Law Group at 786-786-9633
Your condo or HOA property claim deserves full compensation — and we’ll fight to get it.