Homeowner Associations, Condominium
Associations, and Property Managers
A community association and a property manager face many scrutinies and additional issues when dealing with an insurance company to file a claim for property damage. We understand the difficult task of balancing your duty to the association and your duty to the individual unit owners. Our team is very experienced in handling these situations. ​
In Florida, the law requires community associations to have an insurance policy. However, insurance companies regularly deny association claims for property damage. Insurance companies only care about increasing their own profits, which means they focus on collecting premiums and minimizing payouts on claims. It is more profitable for insurance companies to deny or delay paying your insurance claims.
The Wind Law Group will guide you through the entire claim process. We will ensure the claim is filed correctly, all supporting documents are submitted, and the association complies with all post-loss obligations.
There is no cookie-cutter approach to representing associations, but here are a few ways we help every association during the insurance claim process:
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We start by assessing the cause and extent of your property damage so we can hand-select the best team of experts, and immediately start developing and implementing solutions.
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We will work with experts, engineers, contractors, and remediation companies to determine the cause of the loss and the scope of the damages. Our team will work together to document the damages and preserve any evidence that may be beneficial in the future.
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We provide a file that contains templates for emails, notices, updates, and disclaimers sent by the association. These documents contain responses to many frequently asked questions by residents, they save you time, they are compliant with the laws and regulations, and they are structured to protect the confidentiality of certain attorney-client privilged communications.
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We review, analyze, and interpret the association's bylaws, all insurance policies, and any applicable rules, codes, or regulations to determine what damages are covered under your policies.
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We act as your gatekeeper and implement a system to control and organize the flow of all information and communication relevant to the insurance claims.
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We will represent you at any examination under oath or recorded statement.
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After gathering all relevant information and documents, our team will process and file your insurance claim.
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We will aggressively negotiate with your insurance company to speed up the claim process and maximize the amount of your recovery.
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We host frequent virtual town hall meetings to address questions, concerns, comments, and other information relevant to the claim process.
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We provide weekly updates to the association on the progression of remediation and the status of the claim.
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If negotiations with the insurance company reach an impasse, we will file a lawsuit on behalf of the association and aggressively litigate your case to obtain the benefits the association is entitled to.
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We are always available - weeknights, weekends, holidays, and during state of emergencies. You will always be able to contact our team.
How much will it cost to hire your law firm?
The short answer - NOTHING!
You will never, under any circumstance, have to pay our attorney's fees or reimburse us for expenses.
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Our law firm will advance all costs associated with investigating, negotiating, and resolving your claim, including paying fees for estimators, loss consultants, contractors, engineers, and experts. This will allow us to move forward quickly and efficiently to settle your claim and enable you to focus on what matters most to you.
You pay nothing if we do not recover any money from your insurance company.
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No attorney's fees. No expert fees. No costs.
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