What do I do if
HOA assessed me after covered loss.
Master policy shortfalls lead to unit owner assessments.
HOA assessed me after covered loss.
Root cause
Why this happens
Master policy shortfalls lead to unit owner assessments.
Know the law
Your rights as a Florida policyholder
Loss assessment coverage covers assessments up to limit.
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.
What to do
Solution steps
- 01
Step 1
Review loss assessment coverage in HO-6
- 02
Step 2
Document assessment amount and basis
- 03
Step 3
Submit claim with assessment documentation
- 04
Step 4
Consider endorsement increase at renewal
No obligation. No fee unless recovery.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Fences fall under Other Structures coverage.
Carriers sometimes misapply hurricane deductible to standard perils.
Post-claim non-renewal is permitted but regulated.
Renewal inspections identify conditions that must be addressed.
Carriers sometimes apply wrong category limits.
Free claim review
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓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
Relevant statutes
Your representation rights.
Statutory deadlines.
When you must file.
Homeowner claim bill.
Reasonable matching requirement.
Go deeper
Related resources
Emergency playbooks.
FNOL to settlement.
Statutes that protect you.
Every denial reason.
Florida carrier profiles.
All 67 counties.
Every claim term.
Damage categories.
Florida storm profiles.
Decision tools.
Real recoveries.
Common problems.
See also
Other common problems
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
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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