HOA insurance claim help for condo owners & associations

Yes. If your board or property manager refuses to file, stalls, or lets deadlines slip, we step in. We review your governing documents and master policy, document the damage independently, and pressure the association to act — and when the claim moves forward, we run it so nothing gets left on the table.

We do. The gap between the association's master policy and your personal HO-6 is where condo claims go to die. We map exactly where each carrier's responsibility starts and stops — walls-in, bare walls, or all-in — then build the claim so the right policy pays its share.

Often, yes. Assessments usually mean the claim was denied, underpaid, or never filed. We audit the original claim and the assessment math, find what the carrier should have covered, and reopen or supplement the claim to recover it — which can reduce or eliminate what owners are being billed.

It depends on your governing documents and state law, but it's worth reviewing. Large hurricane and windstorm deductibles get passed through as loss assessments, and mistakes in how they're calculated or allocated are common. We review the deductible math and your documents, and fight any part of the bill that shouldn't be yours.

Nothing upfront. We work on contingency: we only get paid a percentage of what we recover for you. If we don't win, you owe us nothing. The claim review is free, so you find out exactly where you stand before committing to anything.

Whatever you have: the master policy (or your request for it), your HO-6 declarations page, any claim or denial letters, photos of the damage, and the assessment notice if you got one. If you're missing documents, we'll tell you how to get them — our Justin tool also walks you through your policy line by line.