Multi-Family Association Claims

Condominium and homeowners associations face special challenges when property is damaged. Common areas, roofs, siding, and shared systems may be covered under association (master) policies, but insurers often dispute scope, causation, or valuation. Board members and managers need attorneys who understand both the insurance and the association context—including governing documents, board authority, and communication with unit owners. Ramirez Enriquez PLLC has represented numerous associations in Florida in property damage claims and litigation.

What We Do for Associations

• Assessment of coverage under association and master policies
• Pursuing full recovery for common elements and shared property
• Coordinating with unit owners when both association and individual claims are involved
• Working with boards and management to document loss and present the claim
• Litigation when insurers wrongfully deny or underpay association claims

Types of Association Claims We Handle

We handle wind and storm damage to roofs and building envelopes, water intrusion and mold in common areas, fire damage, and other covered losses. We also address disputes over policy exclusions, sublimits, and the line between association and unit-owner responsibility. Our goal is to secure the funds your association needs to repair common property and protect unit owners' investments.

Why Choose Us for Your Association

We understand that association claims involve multiple stakeholders and often require clear communication with the board and unit owners. We work efficiently, keep you informed, and fight for full policy benefits. We have a track record of securing high settlements and verdicts for large claims, and we are ready to put that experience to work for your association.

Common Questions

What is the difference between association coverage and unit-owner coverage?

Association (master) policies typically cover common elements—roofs, hallways, building structure, shared systems. Unit-owner policies cover interiors and personal property. When damage affects both, we help coordinate claims and ensure full recovery under the right policies.

Can the board hire an attorney without a unit owner vote?

In most Florida condominium and HOA governing documents, the board has authority to hire legal counsel for association business, including insurance claims. We work closely with boards and management to keep stakeholders informed while advancing the claim.

What if the insurer says the damage is from deferred maintenance?

Insurers often try to deny or reduce claims by arguing that damage was caused by lack of maintenance rather than a covered event (e.g., storm). We use experts and documentation to establish that the loss was caused by a covered peril and to maximize your recovery.