HOA Fire Insurance Claims in Florida

When a fire affects a condominium or homeowners association, the damage extends beyond individual units. Public Loss Adjusters, LLC represents Florida HOAs and condominium associations to coordinate full recovery under master policy coverage. We ensure both common areas and affected units are properly documented and valued.

Understanding HOA Fire Coverage

Most HOA master policies cover the building envelope and shared structures. Unit owners’ policies (HO-6) cover interiors and contents. Coordinating these claims requires strict compliance with §626.854 and §627.70131, Florida Statutes. We manage documentation and communication for both carrier and board representatives.

Typical Issues in HOA Fire Claims

• Disputes over responsibility between master and unit policies.
• Code upgrade and ordinance-and-law coverage conflicts.
• Smoke or soot migration across multiple units.
• Delayed restoration due to board approvals.

Our Process

1. Board authorization and letter of representation.
2. Property-wide inspection, drone imaging, and scope creation.
3. Coordination with carrier adjusters for each structure segment.
4. Appraisal or mediation if valuation disputes arise.

Frequently Asked Questions

Can an HOA and a unit owner file separate claims?

Yes. The HOA files for common property; unit owners file for interior finishes and contents. Both can proceed concurrently.

Who decides to hire a public adjuster?

The board of directors votes to authorize representation and signs the Letter of Representation under §626.854.

Are board members personally liable?

No. The association, not individuals, is the insured entity for common-area claims.

Notice: This page provides general information for Florida policyholders and does not constitute legal advice. Public Loss Adjusters, LLC, License A161638. Consistent with §626.854 and §627.70131, Florida Statutes.