Fort Pierce condo: water from unit above, master policy in conflict.
Water from upstairs unit damaged insured's condo. Master policy and unit HO-6 disputed responsibility.
Water from upstairs unit damaged insured's condo. Master policy and unit HO-6 disputed responsibility.
The initial claim
What went wrong
Master and unit carriers each pointed to the other.
The intervention
What we did
Detailed analysis of association bylaws, master policy language, and FL statute 718.111. Pursued both simultaneously.
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Key takeaways
Lessons for policyholders
Multi-policy condo scenarios require dual-tracking and legal precedent citation.
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Know the law
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FS 626.854 Public Adjusters
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FS 627.70131 Carrier Duties
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FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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