Condominium association losses can be extensive, and are particularly complicated due to the large volume of documents insurance companies typically request during the claims investigation, which can include years of maintenance records and board meeting minutes. Examinations Under Oath may be requested of current and former board members. Third party contractors may be asked to produce records evidencing any work they may have performed on the property. Experienced representation is recommended in such claims to ensure the scope of the insurer’s claim investigation is appropriate.
Condominium claims involve many other complex elements, such as determining the responsibilities of the unit owner versus the condominium association. This is generally governed by Florida Statute §718.111(11), the condominium documents, and the policy itself. Typically, the unit owner is responsible for the floor, wall and ceiling coverings inward. At Christopher Ligori & Associates, we can help you decipher the the applicable laws, policy language and condominium by-laws, and fight to maximize recovery of what you are lawfully owed.