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The Law Offices of Jeremy M. Zubkoff, P.A.

Property Damage

Has your property has sustained damage caused by water infiltration, hurricanes or other people? If so, your Condo Association’s Insurance may be responsible to pay for the damage. Florida Statutes provides that every hazard insurance policy issued or renewed on or after January 1, 2004, to protect the condominium shall provide primary coverage for:

  1. All portions of the condominium property located outside the units;
  2. The condominium property located inside the units as such property was initially installed, or replacements thereof of like kind and quality and in accordance with the original plans and specifications or, if the original plans and specifications are not available, as they existed at the time the unit was initially conveyed; and
  3. All portions of the condominium property for which the declaration of condominium requires coverage by the association.

Please note the Florida Statutes specifically excludes insurance coverage for all floor, wall, and ceiling coverings, electrical fixtures, appliances, air conditioner or heating equipment, water heaters, water filters, built-in cabinets and countertops, and window treatments, including curtains, drapes, blinds, hardware, and similar window treatment components, or replacements of any of the foregoing which are located within the boundaries of a unit and serve only one unit and all air conditioning compressors that service only an individual units.

While your Condominium Association may believe that the unit owner is responsible to pay for the damage sustained to your unit, Florida’s Statutes may state otherwise. The Law Offices of Jeremy M. Zubkoff, P.A. will deal directly with your Association, the Association’s Insurance Company, and your Home Owner’s Insurance in order to resolve your claim.