For Property Managers
Condo Association vs Unit Owner Claim Splits
HOA master policy covers the structure. Unit owner HO-6 covers the interior. Knowing where the line falls saves months of claim disputes.
HOA master policy covers the structure. Unit owner HO-6 covers the interior. Knowing where the line falls saves months of claim disputes.
Context
Overview
Florida Statute 718.111 governs condo association insurance duties. Generally, association covers the structure, original finishes, and limited common elements. Unit owner covers unit-specific improvements, betterments, personal property, and loss of use.
How it works
Workflow
- 01
Step 1
Read the association master policy
- 02
Step 2
Identify original vs betterment finishes
- 03
Step 3
Determine which policy covers each damaged component
- 04
Step 4
Coordinate claims between master and HO-6
- 05
Step 5
Handle any gaps with assessment or betterment coverage
- 06
Step 6
Document allocation carefully
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Avoid these
Common mistakes
- XAssuming association covers everything
- XMissing the original-vs-betterment split
- XNot reviewing FS 718.111 responsibilities
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What kind of damage?
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Know the law
Related statutes
FS 626.854 Public Adjuster Licensing
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Homeowner Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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- ✓No fee unless we recover more than you were offered
What kind of damage?
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