Daytona Beach Condominium Insurance Claim Lawyer
Damage to a condominium property, whether it is an individual unit or the whole complex, can be difficult to navigate with an insurance company. Because an insurer’s only priority, typically, is its own financial bottom line, you can benefit from the advocacy, credibility and attention to detail that an experienced condominium insurance claim lawyer brings to you resulting in a fair settlement or recovery. The experienced Daytona Beach condo insurance claim lawyers at Bundza & Rodriguez, P.A. handle condominium insurance claim disputes throughout Florida including Daytona Beach, Volusia County, Flagler County and Brevard County.
Condominium owners often face unique problems after a hurricane. This is because there is not one, but two insurance policies at play when a condo is damaged in a hurricane. The first policy is purchased by the condominium owner and covers the inside of the home as well as its contents. The second policy is provided by the condominium association, which is required by law to purchase property damage insurance. Also known as casualty insurance, these policies cover damage to the common elements of a home, such as the roof, drywall, and structural elements of the residence caused by storms, floods, and fires. However, certain specific items within an owner’s unit are not covered by an association’s policy, including carpeting, built-in cabinets and countertops, electrical fixtures, appliances, furniture, clothing, and jewelry.
Condominium owners whose homes are damaged during a hurricane are required to deal with at least two different insurers: the insurer for their own individual policy and the condo association’s insurer. In some cases, it may also be necessary to file a claim with a third insurer that specifically covers flood damage. Handling all of these claims can be difficult, making it especially important for condo owners whose homes were damaged during a hurricane, to speak with an insurance claims lawyer who can represent their interests.
Condominiums Insurance Disputes in Daytona Beach
Your insurance company will attempt to deny your condominium claim for any of the following reasons:
- Your HOA policy covered the damage, not your individual policy
- The damage to your condo was excluded from your policy
- The premium on your policy was not timely paid, so your policy was cancelled
- The cause of the damage was not covered by your policy
Condominium insurance claim disputes and denials can be time-consuming, costly and frustrating. It is important to hire the experienced Daytona Beach condominium insurance claim lawyers at Bundza & Rodriguez, P.A. to represent your interests and proceed with any necessary legal action on your behalf.