Central Florida and East Coast Florida residents are no strangers to powerful storms and hurricanes. Even storms that make landfall on the Gulf side of the state impact areas on the East Coast such as Daytona Beach and St. Augustine, FL. When severe weather strikes, the resulting property damage can be overwhelming—navigating the complex world of insurance claims and condominium damage only adds to the stress. If you’re facing a tough battle with your insurance company, an insurance attorney can be your most powerful ally in achieving a fair resolution. Also, an attorney that is experienced and knowledgeable in condominium laws can guide you in making the condo association pay for the damage they are responsible for.
Understanding the Storm Damage Claim Process
When disaster strikes, filing a storm damage claim is the first step toward recovery. However, many homeowners and condo associations encounter delays, underpayments, or even denials. Knowing how the process works—and your rights—is critical. Documenting damages thoroughly, communicating clearly with your insurer, and keeping detailed records are essential to protecting your interests.
Condo Associations and unit owners are often confused on who is responsible for damage arising from a storm or other insurable event. Often, the condominium association does not want to take responsibility and claims the declarations make the unit owner responsible for items, such as windows. Florida Statute 718.111(11) provides specific guidance that controls what damage is the unit owner’s responsibility and what the Association is responsible for despite the language of the condominium declarations. Coquina Law Group can hold the condo association responsible for the scope of damages they are required to repair pursuant to Florida law.
How an Insurance Attorney Can Help
Dealing with insurance companies can feel like an uphill battle, especially when your claim is disputed. An insurance attorney specializes in negotiating settlements between homeowners and insurers. These legal professionals understand policy language and can effectively present your case.
Common Disputes in Storm Damage Claims
Insurers and Condo Associations may challenge the scope of your damage, question the cause (like attributing damage to pre-existing conditions), or offer a payout that doesn’t cover complete repairs. Prior to litigation or during litigation, mediation allows both sides to meet with a neutral third party, helping bridge the gap between what the homeowner believes they’re owed and what the insurance company is willing to pay. We are prepared to ascertain the cause of damages as well as the scope and price with experts that are reasonable and trustworthy.
When to Call an Insurance Attorney or Condo Association Attorney
If your claim has been denied, delayed, or lowballed, it might be time to seek professional support. An insurance attorney can assess the strength of your case, represent your interests in discussions, and help secure the compensation you deserve. Their involvement can make the process less intimidating and more efficient.
Get the Help You Deserve — Contact Coquina Law Group Today
Storms are unpredictable and condominium associations often do not want to repair what they are required to by law, but your path to recovery doesn’t have to be difficult. You can confidently navigate the insurance process by understanding your rights and working with professionals. If you’re struggling to get fair treatment from your insurer or condo association, don’t hesitate to consult an insurance attorney to explore your options.
If you’re dealing with a denied, delayed, or underpaid storm damage claim, the experienced team at Coquina Law Group is here to help. Our dedicated insurance attorneys specialize in fighting for Florida homeowners and condo owners just like you. We offer personalized service, aggressive advocacy, and a proven track record of results. Contact us today!