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Lakeland HOA/Condo Association Claims Lawyer

Lakeland HOA/Condo Association Claims Lawyer

There are many homeowners associations (HOAs) and condo associations in Lakeland. These associations help the residents within their communities maintain a certain standard of living by caring for the common areas of the property and providing maintenance when necessary. In an effort to protect the residents within these communities, Florida law has placed certain requirements on HOA insurance. Below, our Lakeland HOA/condo association claims lawyer explains more.

Policies Should Be Reviewed at Annual Meetings

All HOA and condo associations in Lakeland must hold an annual meeting. The meeting is an opportunity to address any legal issues or issues with the residents. It is also a time that the insurance policy should be reviewed. The portions of the policy that should be reviewed include the following:

  • The amount of the deductible, and if the amount changes according to the type of claim or property damage
  • Coverage for structural damage to buildings, which should include all windows and sliding glass doors
  • Coverage for common areas, such as pools, recreation rooms, basketball and tennis courts, and any other shared accommodations
  • Lighting, landscaping, and parking lots
  • General liability for the HOA or the condo association

Examples of HOA and Condo Association Claims

An HOA or condo association claim can involve any type of property damage. Some of the most common examples of these types of claims are as follows:

  • Broken water lines, pipes, and water heater features
  • Storm damage, including hurricane damage, to the property
  • Smoke and fire damage
  • Damage to common areas, including parking areas and pools
  • Landscaping issues
  • Broken sprinkler heads
  • Damage to roofs, including fascia and gutters

Why are HOA and Condo Association Claims Denied?

An HOA or condo association may deny your claim, citing that you did not properly file it, or that you did not file it on time, even when these statements are not true. Or, they may argue that you were at fault for the damage. For example, if your condo was damaged during a fire, they may allege that arson was involved and use that as a reason to deny coverage. Regardless of the reason your HOA or condo association insurer denies your claim, it is critical that you speak to an experienced attorney who can help you make things right.

How Can Our HOA/Condo Association Lawyer in Lakeland Help with Your Case?

Insurance disputes are always stressful, but they become even more complex when an HOA or condo association is involved. At Ruel Law Firm, our Lakeland HOA/condo association lawyer can help you sort through the complicated aspects of these cases so you can claim the full settlement you deserve. Call us today or contact us online to schedule a consultation with our seasoned attorney.

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PROPERTY DAMAGE Insurance Claims

  • Wind Damage
  • Water Damage
  • Sinkhole Damage & Collapse
  • Hail Storm Damage
  • Tornado Damage
  • Fire Damage
  • Lightning Damage
  • Business Interruption Claims
  • HOA/Condo Association Claims
  • Insurance Bad Faith
  • Examination Under Oath
Engineer checking defect in construction site measuring correct dimention


  • Stucco Defects
  • Roofing Defects
  • Window & Door Defects
  • Foundation Settlement/concrete Cracking
  • Mechanical, Electrical & Plumbing Defects (MEP)
  • Violation of Building Codes
  • Design Professional Liability
  • Warranty Claims
  • Unlicensed Contracting & Fraudulent Liens
  • Contractor & Design Professional Insurance

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