HOA boards carry a fiduciary duty to every unit owner in the association. That duty doesn’t pause when a major loss occurs — it intensifies. Accepting the carrier’s initial estimate on a multi-building roof system, a parking structure, or a common area without independent forensic review is not due diligence. It is a breach of that duty, documented in the carrier’s file and waiting to be used against your board when the reserve fund runs short and unit owners start asking questions.

Insurance carriers deploy experienced staff adjusters and independent adjusting firms on every significant HOA claim. Those professionals work for the carrier. They are trained to identify exclusions, apply depreciation schedules, and minimize scope. Your board needs its own expert in the room — someone who reads the same policy language, walks the same rooftops, and understands that a 48-unit complex is not priced the same as a single-family home.

Peril Adjusters has recovered multi-million dollar settlements on HOA and condominium community claims that were initially dismissed, underpaid, or partially denied. We work on contingency — no recovery, no fee. The only cost of not calling us is what stays in the carrier’s pocket instead of your reserve fund.