HOA & Condo
Claim Recovery.
A single storm can trigger a special assessment across hundreds of units. The carrier’s adjuster is not your fiduciary. We are.
How Carriers Suppress HOA & Condo Claims
HOA and condo claims are among the most systematically suppressed in commercial property adjusting. Carriers exploit the complexity of multi-building losses to limit exposure.
Matching Material Violations
Under §554.002, when storm damage requires replacement of materials no longer available in the original profile, the carrier must replace the entire affected system. Carriers scope damaged sections only and ignore matching obligations across all buildings.
Per-Building Estimate Isolation
Carriers evaluate each building as a standalone loss, artificially capping total exposure. HOA losses must be evaluated as a single, connected insured property — which changes the recovery math dramatically.
Special Assessment Suppression
The cost of a board-authorized special assessment following a carrier underpayment is itself a recoverable loss element. Carriers never volunteer this. We always enforce it.
Depreciation Manipulation
Carriers apply aggressive depreciation across all buildings simultaneously, compounding the suppression. On a 200-unit complex, even small per-unit depreciation errors create six-figure discrepancies.
How We Rectify It
Our forensic process on HOA claims starts with a full-portfolio scope — every building, every affected system, every applicable code upgrade.
Full Portfolio Documentation
We document every building simultaneously with carrier-grade photography, engineering inspection data, and line-item material specifications.
Matching Enforcement
We apply §554.002 matching obligations across every affected facade, roofing system, and cladding profile — not just the sections the carrier chose to acknowledge.
Code Upgrade Recovery
We apply O&L analysis to force recovery of ADA compliance costs, fire suppression upgrades, and electrical system mandates that the carrier excluded.
Financial Alignment: We charge a strict 10% contingency fee on the Replacement Cost Value (RCV) of the total claim recovery above the carrier’s existing offer. No increase on the claim, no fee. If we do not recover more than the carrier already offered, our services cost you nothing. The initial review is always free.
HOA Complex: $32,491 carrier offer → $1,886,475 final settlement (+5,702%)
The Review Is Free
Find out in 24 hours whether you have a recoverable claim. No obligation. No upfront cost.