Condominium Claim

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As with any client, we represent the insured and not the insurer.Condominium associations claim can be denied millions in benefits by just not properly preparing their claim. A public adjuster represents a condo association when it comes to discerning what is due the condominium association when damages must be paid.

A real life example might help. Recently a condo association contacted us and informed us that their carrier was not affording proper coverage to allow replacement of the garden windows located in several units that had been damaged. After our inspection not only were we able to get coverage for the windows, we also got additional coverage for code and ordinance as the new windows had to meet the new wind loads in the current code. Furthermore, our investigation found numerous discrepancies with the insurers adjustment summary, things like insufficient drywall allowances, many other windows that had failed to be afforded, at the time of the loss the buildings had tile roofs although the association, due to receiving insufficient payment, was forced to replace the roofs with shingled roofs.Ultimately the recovery ended up being hundreds of thousands of dollars. 

After Hurricane Katrina a number of FAPIA members were invited to Mississippi to the state's trial lawyers convention where public adjusters were considered to be illegal until that catastrophe changed everything. At this event we were greeted as advisors and not colleagues. Our president was advised that if he as much as looked at case law on line, he would be arrested for the illegal practice of law. This is solely a matter of education, as many attorneys and insured people really have no idea what we do. The insurance policy is a contract. In accordance we are licensed in the individual states to interpret the contract and make claim under the contract. When retained in a claim,we review the correspondences and documentation to date, then investigate the claim. This part is especially confusing for most as there are so many people giving misinformation. This works to the insurance company's advantage. This is where a public adjuster is most useful. After a major event especially, condo associations are bombarded with roofers and contractors that advise that they can work directly with the insurer and will do the job for what the insurer will pay. This is almost always to the detriment of the insured. The important thing to remember is that an insurance policy is contractual and restoration to the pre-existing condition of the damaged property is owed. Roofers install roofs and while some of them have the expertise to identify damages, most do not have any experience in the forensics of the damages that occurred once the water breached the roof, and neither are they licensed to give such an opinion. While contractors are licensed to build things, they do not typically conduct forensic investigations.

Public adjusters work on behalf of the condo association to make sure that fair value is established and all monies owed are collected. Personally We've never failed to recover damages in any case we've taken on and we've done extensive work for condo associations. We can honestly advise you of any damages without any cost and  let you know if collection is necessary.

The insurance company have their Insurance Adjuster on their side, Why don't you have a professional Public Adjuster on your side?