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
Free claim review
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓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.
Avoid these
Common mistakes
- XAssuming association covers everything
- XMissing the original-vs-betterment split
- XNot reviewing FS 718.111 responsibilities
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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.
Know the law
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Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓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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