Miami condo water: betterments plus master policy gap.
Condo water damage with betterments. Navigated master policy and HO-6 coordination.
Condo water damage with betterments. Navigated master policy and HO-6 coordination.
Initial claim
What went wrong
Master policy declined; unit HO-6 initially undervalued betterments.
The intervention
What we did
Detailed betterment documentation with permits, contractor records; identified master vs unit coverage line.
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Takeaways
Lessons
Condo claims require careful betterment vs original analysis.
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Free claim review
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
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Know the law
Relevant statutes
FS 626.854
Public adjuster representation.
FS 627.70131
Carrier duties.
FS 627.70132
Notice deadlines.
FS 627.7142
Homeowner Bill of Rights.
FS 626.9744
Matching statute.
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
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