Condo and HOA Hurricane Claims in Florida

One hurricane creates two claims at a condominium. The association files on its master policy for the buildings and common elements. Each unit owner files on an HO-6 policy for the unit interior. When the two claims are not coordinated, damage falls between them and nobody pays for it.

Nearly 8,500 Hurricane Isaias claims in Florida closed without a payment, and just over 3,500 closed with one. Those figures come from the Florida Office of Insurance Regulation as of October 20, 2026. Nearly 55,000 Isaias claims were filed statewide. Association claims are large, complex, and easy to scope short.

Start with a Free 21-Point Storm Inspection. We document the full loss across the property before the claim hardens around a first scope. Call 800.511.2240.

For Escambia County associations, our Pensacola public adjuster page covers the local picture, deadlines, and first steps.

Two policies, one storm

The master policy covers the structure and the common elements. That includes roofs, exterior walls, elevators, lobbies, pools, clubhouses, and shared systems. The HO-6 policy covers the inside of the unit. Depending on the association documents, that can include flooring, cabinets, fixtures, and the owner’s personal property.

The line between the two policies sits in your declaration and bylaws. Read them before you file. A roof leak that ruins twelve unit ceilings creates one master policy claim for the roof and twelve HO-6 claims for the interiors. If the roof claim stalls, the interior claims stall with it.

Policyholder Advocacy Group represents the policyholder. The carrier’s adjuster represents the carrier. We build the association’s claim as one documented file, and we help unit owners line their HO-6 claims up with it so the records match.

The percentage deductible is the board’s first problem

Most Florida association policies carry a hurricane deductible set as a percentage of the insured value, not a flat dollar amount. The percentage applies per building or per property, based on the policy wording.

A 2 percent deductible on a building insured for $10 million leaves $200,000 of covered damage for the association to absorb. At 5 percent, the same building carries $500,000 of exposure before the carrier pays a dollar. Boards that learn this number after the storm make bad early decisions. Boards that know it before filing can plan the claim and the budget together.

Florida law applies the hurricane deductible once per calendar year. Confirm how your policy applies it across buildings, because a per building application multiplies the exposure fast.

Loss assessments reach every unit owner

When the association’s recovery falls short, the board can assess unit owners for the gap. Owners then turn to the loss assessment coverage in their HO-6 policies. That coverage is often small, and it pays only under set conditions.

Three facts protect the board and the owners:

• Document association damage as one complete claim, not room by room fragments.
• Give owners a clear written record of the assessment and what it covers.
• File owner HO-6 loss assessment claims with the association claim record attached.

A complete association file makes each owner’s claim easier to support. A thin file leaves every owner to fight alone.

Common elements versus unit interiors

Storm damage rarely respects the policy line. Wind lifts a roof section. Water enters the wall cavity. It shows up as ceiling stains in top floor units and mold in the walls weeks later. The master policy claim must capture the building envelope failure. The HO-6 claims capture the interior loss. Both records should describe the same event in the same terms.

Damage also hides. Wet insulation, compromised roof decking, and window failures can sit unseen while the visible repairs move ahead. Our 21-Point Storm Inspection documents the property while the evidence is still in place.

Isaias deadlines your board cannot miss

• Report a new Hurricane Isaias claim by October 9, 2027.
• Reopen or add to an Isaias claim by April 9, 2028.

These dates apply to associations the same as homeowners. A board that waits for a perfect file can lose the right to file at all. See how the statewide numbers break down in our review of Isaias claims closed without payment.

What we do for your board

We document the full loss across every building and common element. We read the master policy and the association documents, and we present the claim under the terms and conditions of your policy, so you pursue the full amount your policy owes you. We report to the board in plain language: what was claimed, what was paid, what remains open. Your manager gets one point of contact instead of a carrier call center.

On cost: Our fee is a percentage of what we recover for you. If we recover nothing, you pay nothing. Without representation, many homeowners walk away with far less or nothing at all. The same holds for associations.

The board-ready next step is simple. Schedule the inspection, get the documented file, and vote with real numbers in front of you. If your claim was already denied or closed, read what a denied Isaias claim means before the reopen deadline passes.

Condominium associations sit inside a bigger picture. Read multifamily property insurance claims for how association, apartment, and townhome claims differ.

Not sure your damage is covered? Start with a Free 21-Point Storm Inspection. We document the full loss and tell you plainly whether you have a claim. Call 800.511.2240.