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Navigating an insurance claim after a significant loss can be frustrating, costly, and time consuming. Associations have an obligation to cooperate with their insurance company fully and completely during the claims process even in the most daunting of circumstances. Failure to adhere to that duty may result in the denial of an insurance claim even …
Q: Lee County has information for homeowners’ association leaders. Professional property managers and residential community associations can now take steps to protect their communities in the event of a hurricane or other declared major disaster in Lee County.
FEMA regulations require that private or gated communities have a …
Almost three years have passed since Hurricane Irma and almost two years since Hurricane Michael. If your community has received insurance money and rebuilt, or if your community has only suffered minor damages, both hurricanes may seem a lifetime ago. Unfortunately, many communities are still suffering through unpaid claims and, in many cases, unknown damages. …
Q: I understood that Florida law permitted a unit owner in a condominium to install hurricane shutters to protect their unit. I was recently told by my association that only a specific type of shutter could be installed and that any other type of shutter was prohibited including putting plywood over my windows. Can the …
Q: Our association levied a special assessment after Hurricane Irma for cleaning up our property and repairing some minor damage to the buildings. The damages were not bad enough to reach our insurance deductible. The board ended up spending quite a bit less than they assessed for, and decided to put the left over …
Florida was battered by Hurricane Irma in 2017 and Hurricane Michael in 2018. Many individuals, businesses, and associations are still trying to recover from those devastating storms. It is common for insurance litigation to linger for years, even decades, after the storm has passed. Indeed, Hurricane Wilma related disputes continue to make their way through …
Q: Lee County has information for homeowners’ association leaders. Professional property managers and residential community associations can now take steps to protect their communities in the event of a hurricane or other declared major disaster in Lee County.
FEMA regulations require that private or gated communities have a current Right …
Q: A friend of mine owns a townhome in a coastal community in Florida. He asked the HOA board if they can come up with a storm shutter policy under Florida Statute 718.113. The board replied that the HOA is not a condo HOA, based on the declaration, hence 718.113 does not apply. Is …
There is a lot of information on how associations can prepare for hurricanes but much less information as to what happens after the hurricane, particularly as it pertains to insurance claims. A question that managers and board members need to consider is, what is required after a hurricane to ensure compliance with your insurance policy …
Q: Our condominium did a major renovation project several years ago, included impact glass for all the windows and sliders. Recently, our board received a request from an owner to install hurricane shutters. The board thinks this is unnecessary since we are already protected, and that shutters will detract from the look of our …