Panama City Beach condo: master versus unit owner split.
Example figures drawn from common Florida claim patterns. Not a specific claim or client, and not actual settlement amounts. Disclosures.
Condo unit interior damage from storm. Master policy denied, unit owner had to fight for betterments coverage.
Condo unit interior damage from storm. Master policy denied, unit owner had to fight for betterments coverage.
The initial claim
What went wrong
Master policy declined structure; unit-owner HO-6 covered only partial betterments.
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The intervention
What we did
Detailed betterment/original-vs-upgrade analysis with floorplan and receipts.
Key takeaways
Lessons for policyholders
Condo claims require precise master vs unit owner analysis. Betterments are often the loose dollars.
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A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
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No obligation. No fee unless recovery.
Licensed Florida public adjuster. No fee unless we recover more.
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Another Florida claim example.
Another Florida claim example.
Another Florida claim example.
Another Florida claim example.
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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?
Pick the closest match. We will ask for details next.
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