Condominium Insurance Claims Lawyer in Florida
When your condominium unit suffers damage, whether from water intrusion, a hurricane, a plumbing failure, a roof leak, or another unexpected event, the insurance claims process can quickly become confusing. Unlike single-family homes, condominium claims can involve multiple parties, multiple insurance policies, and questions about who is responsible for what.
That is where Gelber Law Group stands out.
Our attorneys walk you through each phase of your claim, keep you informed from start to finish, and pursue the highest possible payout under your policy. Whether we negotiate directly with your insurer, address liability issues with your condominium association, or take your case into litigation, our legal team is formidable both in and out of the courtroom.
How Is a Condominium Insurance Claim Connected to a Property Damage Claim in Your Condominium Unit?
Damage inside your condominium unit is not always your responsibility—sometimes the condo association, also known as the HOA or COA, is legally required to cover certain repairs.
Most condominium buildings in Florida are divided into:
- Unit-owner responsibilities (often interior surfaces, appliances, flooring, cabinets, personal belongings)
- Association responsibilities (roof, exterior walls, foundation, common plumbing lines, electrical systems, hallways, and shared structures)
When property damage occurs, the challenge is determining what caused the damage and whose policy is responsible.
For example:
- A roof leak may be the association’s responsibility, but the water damage inside your unit may be yours.
- A burst pipe inside the wall cavity could be the association’s responsibility, even if the water damaged your personal property.
- A hurricane may damage both shared elements and interior portions of your unit, creating two interconnected claims.
At Gelber Law Group, we help you determine:
- Whether your association failed to properly maintain common elements
- Whether their negligence contributed to the damage
- Whether your condo policy (HO-6) or the association’s master policy should cover the loss
- Whether both policies apply
Condominium insurance claims are often disputed because multiple parties point fingers at each other.
What Is a Condominium Insurance Claim?
A condominium insurance claim is a request for compensation under a unit-owner HO-6 policy, a master policy, or a claim directly against the condominium association for failure to maintain common elements.
Common condominium insurance claims in Florida include:
- Water damage from roof leaks or plumbing failures
- Mold caused by slow leaks or neglected maintenance
- Damage from hurricanes or tropical storms
- Electrical issues caused by building infrastructure
- Flooding in multi-story buildings
- Damage caused by neighboring units
- Structural damage from building defects
A condominium insurance claim may involve:
- Your insurer
- The association’s insurer
- The association itself
- Adjusters hired by multiple parties
- Conflicting interpretations of responsibility
This is why many condominium owners struggle to get a fair payout on their own.
Insurers often deny or minimize claims by blaming someone else or calling the damage “maintenance-related.” Gelber Law Group intervenes early to ensure your claim is handled properly and your rights are protected.
Do You Need an Attorney to File a Condominium Insurance Claim?
Because condominium claims involve two overlapping insurance policies and multiple stakeholders, it is extremely common for insurers and associations to delay, deny, or shift blame.
You may need an attorney if:
- The association claims the damage is not its responsibility
- The COA blames your insurance company, or vice versa
- Your claim was denied or underpaid
- The insurer says the damage was “maintenance-related”
- You cannot get clear answers from the association
- You are stuck between multiple adjusters
- The insurer failed to investigate properly
- The association neglected common-area repairs
Gelber Law Group helps condo owners by:
- Determining exactly which party is responsible
- Reviewing both policies (HO-6 and master policy)
- Ensuring all damage is documented correctly
- Challenging wrongful denials
- Fighting for the maximum payout available
- Taking legal action when necessary
When Results Matter, Choose Gelber Law Group for Your Condominium Insurance Claim
If your condominium unit was damaged, and you’re getting pushed around by the association or your insurance company, Gelber Law Group is ready to help.
We investigate, document, negotiate, and litigate when needed to make sure you’re not left paying out-of-pocket for damage someone else should cover.
Call Gelber Law Group at (954) 320-0100 for your free case review.
There is no cost to get started. You only pay if we win.
Condominium Insurance Claims in Florida FAQs
Who pays for damage inside my condominium? The COA or me?
It depends on the cause of the damage and the division of responsibility in your governing documents. We can review your bylaws and policies to determine who is liable.
What if the association failed to maintain the building?
If poor maintenance or neglect caused the damage, the association may be legally responsible. Our team can help you pursue compensation directly.
Does my HO-6 policy cover water damage?
Yes, most HO-6 policies cover sudden and accidental water damage. However, some insurers attempt to deny claims by arguing that the damage was gradual or caused by wear and tear.
Can I file claims under both my policy and the master policy?
In some situations, yes. Many condo claims involve dual coverage, and insurers often attempt to avoid sharing responsibility. We identify all available coverage.
What happens if my claim is denied?
You should not accept a denial without legal review. We routinely challenge improper denials and recover compensation for condo owners across Florida.