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Grasping condo and co-op insurance disputes in Florida

On Behalf of | May 27, 2024 | REAL ESTATE LAW - Condominiums & Cooperatives |

Condo and co-op living comes with its own set of challenges, especially when it comes to insurance disputes. You have invested your hard-earned money into your dream home, but what happens when you find yourself at odds with your insurance provider or association? Going through the intricate laws and regulations can be a daunting task, leaving you feeling lost and frustrated.

Why do insurance disputes happen?

Insurance disputes often stem from coverage denials, claim disputes or disagreements with your association’s insurance policies. For instance, after a hurricane, you may find yourself in a battle with your insurance company over the extent of damage covered or the amount of compensation to which you are entitled. Similarly, conflicts can arise with your association over insurance assessments, deductibles or the allocation of repair costs.

Do you know your legal rights?

Florida has specific laws governing condo and co-op insurance disputes. The Florida Condominium Act and Florida Cooperative Act set mandatory insurance requirements for condo and co-op associations. These Acts outline procedures for handling insurance claims, deductibles and distribution of proceeds in case of damage. They also provide legal recourse for resolving disputes between owners, associations and insurers over coverage denials or claim payouts. The Acts define the rights and obligations of all parties involved in an insurable event.

As these could be complicated, seeking the assistance of legal professionals can help strengthen your case and protect your interests.

How can an attorney help?

Attempting to tackle the intricate legal landscape surrounding insurance disputes on your own can be overwhelming. This is where an experienced attorney can be your beacon of hope. They can help you understand your rights, negotiate with insurance companies and associations, and represent you in alternative dispute resolution processes or litigation if necessary.

While resolving insurance disputes can be a complex and frustrating process, you do not have to do it alone. An experienced attorney can be your advocate. They can guide you through the legal maze and fight for your rights as a condo or co-op owner.


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