Damage Caused By A Nearby Construction: What is an Association to do?

By Matthew Sengsourinh – Claims Advocate – Volume 18

Florida condominium associations often face challenges when neighboring construction projects result in loss or damage to their properties. Such incidents can be financially burdensome and impact the quality of life for residents. Fortunately, there are avenues for recovery through insurance claims. In this article, we will explore how condominium associations in Florida can recover from such losses, both through 1st party and 3rd party insurance claims. Additionally, we will emphasize the importance of engaging professional representation, including a GlobalPro insurance coverage expert, to navigate the complex insurance process effectively.

In this article, we will explore how condominium associations in Florida can recover from such losses, both through 1st party and 3rd party insurance claims. Additionally, we will emphasize the importance of engaging professional representation, including a GlobalPro insurance coverage expert, to navigate the complex insurance process effectively

A. Prove your damage: understanding 1st Party Insurance Claims:

When a condominium association suffers loss or damage caused by a nearby construction project, they may be able to seek compensation through their own insurance policy, known as 1st party insurance claims. Here are the key steps to follow:

A. Review the Insurance Policy: Start by carefully reviewing the association’s insurance policy to understand the coverage and exclusions relevant to the construction-related losses. Pay close attention to provisions related to property damage, business interruption, and additional living expenses for residents.

B. Document the Damages: Thoroughly document all damages caused by the construction project, including photographs, videos, and written descriptions. This evidence will be crucial when filing a claim.

C. Notify the Insurance Company: Promptly notify the association’s insurance carrier about the loss or damage. Adhere to any specific reporting requirements mentioned in the policy.

D. Engage Professional Representation: It is highly recommended to engage the services of a professional specializing in insurance claims. They will help interpret the policy, advocate for the association’s rights, and ensure proper claim filing and negotiation.

E. Engage a GlobalPro Insurance Coverage Expert: A GlobalPro insurance coverage expert can assist in assessing and quantifying the damages, preparing the claim, and negotiating with the insurance company on behalf of the association. They possess expertise in maximizing the claim settlement and can be a valuable resource throughout the process.

B. Prove negligence: pursuing 3rd Party Insurance Claims:

In most instances, neighboring construction projects are responsible for the damages suffered by a condominium association. Pursuing a 3rd party insurance claim involves holding the responsible party accountable for their actions. Here’s what you should consider:

A. Identify the Responsible Parties: Determine the entities or individuals responsible for the construction project causing the damages. This may include general contractors, subcontractors, architects, or developers.

B. Document the Causation: Establish a clear link between the damages and the neighboring construction project. Collect evidence such as expert opinions, construction plans, project timelines, and witness statements.

C. Professional Representation: Retain a professional experienced in construction and insurance law to help build a strong case against the responsible parties. They will guide you through the legal process and ensure your rights are protected.

D. Engage a GlobalPro Insurance Coverage Expert: Working in tandem with your representative, a GlobalPro insurance coverage expert can evaluate the damages, quantify the financial impact, and provide expert support in negotiations and settlement discussions.

C. Importance of Engaging Professional Representation, CALL US FIRST!

Navigating insurance claims can be complex and time-consuming. Engaging professional representation, including a GlobalPro insurance coverage expert, can provide several advantages:

A. Expertise: Professionals experienced in insurance claims can interpret policy language, identify potential coverage, and advocate for the association’s best interests.

B. Claim Preparation: A GlobalPro insurance coverage expert possesses specialized knowledge in assessing property damages and compiling comprehensive claims. They can help maximize the claim’s value and streamline the process.

C. Negotiation Skills: Insurance companies may attempt to minimize claim settlements. Professional representation, including a GlobalPro insurance coverage expert, can negotiate on behalf of the association to secure fair compensation.

D. Peace of Mind: Delegating the insurance claim process to professionals allows the association’s board and members to focus on their core responsibilities while knowing their interests are being protected.

Recovering from loss or damage caused by nearby construction projects requires a strategic approach. By understanding the insurance claim process, engaging professional representation, including a GlobalPro insurance coverage expert, and diligently documenting damages, Florida condominium associations can maximize their chances of fair compensation. Remember, seeking professional assistance is crucial to navigate the complexities of insurance claims successfully. Whether it’s concrete overspray, falling objects, paint overspray, stucco overspray, or other forms of damage, professional representation will ensure your rights are protected and you receive the compensation you deserve.