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Condo Hurricane Claims

Hurricanes are massive storms that cause massive amounts of damage. If your house was damaged in a Florida hurricane, you’d deal directly with your homeowner’s insurance company to recoup your losses and to get your house back in pre-hurricane shape. If you live in a condominium, things work a little bit differently. Understanding the basics related to condo insurance claims will help you better navigate the path forward. If your condominium’s been damaged in a hurricane, consult with an experienced Panama City insurance claims attorney today.

Damage to Your Building

Any damage to your condo caused by the storm’s high winds and heavy rains should be filed as a property damage claim under your condo association’s insurance policy. Some forms of damage are self-evident, but hurricane-force winds and rain can also cause less obvious forms of damage, including:

● Damage to the building’s exterior finish

● Damage to the buildings roofing system

● Damage to the seals and gaskets of windows and sliding glass doors (caused by the frames being bent and rotated)

Such damage often requires more careful professional investigation but obtaining the appropriate repair work is critical to restoring the integrity of the property.

Your Board’s Claim

It’s imperative that all the damage your condo sustains in the storm be included in your condo board’s insurance claim, which means that your condo association’s pre-claim efforts must be extremely thorough. Discovering damages later – after the claim has been made – can leave future owners in the unenviable position of dealing with preexisting damage that won’t be covered in any future claims. Hurricanes are extraordinary storms, and therefore, many condo boards will implement extraordinary measures in their aftermath. This can include appointing assistant officers to the Board to help ensure that things run as smoothly and safely as possible post-hurricane.

Ongoing Investigations

Your condo’s insurance company will quickly mobilize an initial adjuster who’s prepared to make catastrophic storm adjustments. This initial assessment, however, is unlikely to identify the full extent of damages to your building. As such, your board, including the newly appointed assistant officers – with their own individual areas of expertise – will conduct an ongoing investigation. Very few condominium boards have the necessary expertise, however, to conduct investigations that are thorough enough to rise to their fiduciary obligations, so experts must be engaged.

Extraordinary Measures

Hurricanes are unpredictable storms, and it’s impossible to know exactly what you’ll be dealing with once the storm passes. A hurricane can, therefore, trigger emergency powers for your building’s board of directors. These powers include the ability to conduct emergency meetings; name assistant officers; shut down electricity, water, sewer, security systems, and elevators; declare portions of the property off-limits; evacuate the property; and more.

If Your Condo Has Sustained Damage in a Hurricane, Consult with a Knowledgeable Panama City Insurance Claims Attorney Today

If your condominium was damaged in a hurricane, it’s critical that your insurance claim adequately reflect the totality of your damages. The experienced insurance claims attorneys at Ged Lawyers in Panama City have the skill, knowledge, and dedication to aggressively advocate for the compensation necessary to restore the integrity of your building. For more information, please don’t hesitate to contact us today.