HOA & Condo Board
Insurance Claims
You represent hundreds of unit owners. One underpaid storm claim can wipe out years of reserve contributions and trigger special assessments. Peril Adjusters specializes in the complexity of association-governed property — and we fight for every dollar the policy covers.
⚠️The Pitfalls
The Partial Re-Roof Trap
Carriers scope only visibly damaged roof sections. Texas §554.002 requires full-system matching replacement when original materials can’t be matched — a provision carriers never volunteer. On a 200-unit complex, the gap between partial and full-system replacement can exceed $500,000.
Ignored Ordinance & Law
HOA properties built before 2000 almost always carry O&L exposure. A roof permit triggers mandatory electrical upgrades, fire suppression installation, and ADA compliance. Carriers don’t mention these. They arrive as the board’s problem at the contractor stage — unless we find them first.
Board Division Tactics
Carriers know HOA decisions require board consensus. Timeline pressure is a deliberate tactic — the longer a claim runs, the more likely a board member argues for accepting the low offer just to end the dispute. We short-circuit this by giving the board a clear financial picture before any vote.
✓The Peril Solution
Forensic Scope Before the Carrier Arrives
We complete our full 10-shot photo protocol and EagleView measurement analysis before the carrier’s adjuster schedules their inspection. Our documented scope becomes the benchmark for every negotiation that follows.
Full O&L Analysis on Every Property
We run a complete Ordinance & Law review on every HOA claim — electrical panel age, fire suppression status, ADA deficiencies, building construction date vs. current code. Every trigger we find becomes a supplement demand.
Board-Ready Reporting
We provide written status updates to the full board and property management company at every meaningful milestone. Settlement decisions are made with complete financial information — carrier offer, documented supplement value, and net-to-association breakdown.
Your Association Paid Premiums for Years.
Get a free forensic review before you accept the carrier’s number.
Get Your Free Assessment →