At De Prado | De La Osa, we specialize in representing condo owners and associations in insurance claims. When damages occur to individual units, shared property, or the building structure, navigating insurance policies can be challenging. Our team is here to ensure fair and prompt compensation for your losses.

Types of Condominium Insurance Claims:

• Unit Damage: Claims for personal property or structural elements inside individual units.
• Common Area Damage: Coverage for shared spaces such as lobbies, pools, and gyms.
• Building Structure Damage: Claims involving the external structure, roofing, or foundations caused by weather, fire, or other incidents.

Challenges in Condo Insurance Claims:

• Disputes over what the individual unit owner’s policy versus the association’s master policy covers.
• Denials based on complex exclusions or maintenance-related issues.
• Insufficient settlements that fail to address the full extent of repairs needed.

Our Approach:

• Policy Analysis: We carefully review both unit owners’ and master policies to determine coverage and address potential overlaps.
• Claim Documentation: Our team assists in gathering repair estimates, photos, and other evidence to substantiate the claim.
• Advocacy and Negotiation: We engage directly with insurers to ensure fair settlements for both individual owners and associations.
• Dispute Resolution: If disagreements arise, we are prepared to litigate to protect your interests.