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     Good Claims Information for CONDO Owners:

Condo owners: Are you being assessed fees by your Condo Association for damage caused by the recent hurricanes to your Condo Association Common Property?

Can you be reimbursed? by your individual condo unit insurance policy for these assessments?

Question:     My condo association has assessed each member in the condo association $1,890.00 for damage to the common property belonging to the association due to damages from the recent hurricanes. The assessment is being charged because the amount of damage to the condo association's common property does not exceed the condo association's’ Master Policy deductible.

Is there any coverage under my individual condo unit insurance policy that will cover this loss assessment?

Michael Calandra SISCO Identification Solutions West Palm Beach FL.

Answer:    Mike, please refer to your individual condo unit insurance policy which may contain the following language:

(1*"Loss Assessment: We will pay up to $1,000.00 for your share of loss assessment charged during the policy period against you by a corporation or association of property owners, when their assessment is made as a result of direct loss to the property, owned by all members collectively, caused by a Peril Insured Against under COVERAGE A – DWELLING, other than earthquake or land shock waves or tremors before, during or after a volcanic eruption."

This coverage applies only to loss assessments charged against you as owner or tenant of the "residence premises."

We do not cover loss assessments charged against you or a corporation or association of property owners by any governmental bodies.

The limit of $1,000.00 is the most we will pay with respect to any one loss, regardless of the number of assessments.")

1*Copyright©, Insurance Services Office, Inc


If the above or similar language exists in your individual condo unit insurance policy, you may be afforded coverage up to the limit indicated in your specific policy. The damages to the association common property may not have to be below the Condo Association master policy deductible.

You may have to have a copy of the condo association assessment letter to send into your insurance company in order to be considered for payment.


Written by: Douglas L. LaFaive. ( Douglas L. LaFaive is a Special Feature writer for: Advocates for the Insured ä and author of The Claims Game How to Play to Win! How to ... settle your Automobile Injury Claim.)

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Should your property sustain damages from Fire, Lighting, Wind, Water or any other cause we strongly suggest that you consider and contact Douglas L. LaFaive & Associates Licensed Public Adjusters.

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