Condo Association Public Adjuster in Naples
A building claim affects every owner and every budget. We help Naples condominium boards and HOAs document the loss, work through the master policy and negotiate a settlement that covers the repairs.
- Free inspectionNo cost, no obligation.
- Licensed in FloridaFirm License# W807579.
- No recovery, no feeWe get paid only when you get paid.
- English & EspañolHablamos español.
Get Help in 3 Easy Steps!
Master policy vs. HO-6 in Naples condos
In a Florida condominium, the association's master policy usually covers the building structure and common elements, while each owner's HO-6 policy covers the interior items the declaration and Florida law assign to the owner. Where that line falls is where most disputes start.
We read the declaration, the master policy and the loss facts together, then build the association's claim. We also explain to unit owners which parts belong on their own policies. More on our condo association services page.
Boards: report the loss to the master carrier promptly and keep minutes of any emergency repair decisions. Insurers often ask for both.
First steps for the board
- Make the building safe and authorize emergency mitigation.
- Have the manager photograph common areas and affected units, with dates.
- Notify the master policy carrier and keep the claim number.
- Call 888-888-8591 to schedule a free building inspection.
Free claim review In-person appointments 10 AM–7 PM, seven days a week
Water migrating between units
The losses we see most in Naples condominium buildings.
Unit-to-unit water
A failed supply line or AC drain in one unit that damages units and common areas below.
Wind and storm damage
Roof, window wall, balcony and exterior damage after a storm.
Roof systems
Low-slope and tile roofs on mid-rise and garden-style buildings.
Common elements
Lobbies, corridors, elevators, pools, clubhouses and parking structures.
Fire and smoke
Fires that spread smoke and water from firefighting through several units.
Seasonal owners
Leaks in units left empty for months, found only after the damage spread.
Where association claims get stuck
Common problems on condo and HOA master policy claims.
Who pays for what
Disputes over which items fall under the master policy and which fall under owners' HO-6 policies.
Large deductibles
Hurricane and all-other-peril deductibles that are a large share of the loss. We document the full value so it is applied correctly.
Scope of repairs
Offers that cover patches when matching or code requirements call for more.
Delays
Long claims that hold up repairs and strain the reserves.
Working with boards and managers
We report to the board and work alongside your manager, engineer and contractors.
Building inspection
Common elements and affected units, documented and organized by building and floor.
Coverage map
A clear split of what the master policy covers and what goes to unit owners.
Estimate
An itemized estimate for the association's portion of the loss.
Board updates
Regular status updates the board can share with owners, and negotiation with the carrier.
How Northside handles your claim
The same steps for every claim, explained in more detail on our Claims Process page.
- 1
Call, text or send the form
Call or text 888-888-8591 any time, or use the short form on this page. Tell us what happened and who your insurer is.
- 2
Free inspection and policy review
A licensed adjuster inspects the property at no cost and reads your policy, declarations page and any letters from the insurer.
- 3
Documentation and estimate
We photograph, measure and record the damage and its cause, then write a detailed repair estimate and contents list.
- 4
We present and negotiate
We submit the claim, meet the insurer's adjuster and experts at the property and negotiate the amount owed.
- 5
Settlement and payment
The insurer pays the agreed amount. Our fee is a percentage of the settlement, capped by Florida law. No recovery, no fee.
Condo associations in Naples and Collier County
Southwest Florida
We work with associations in Naples, North Naples, Marco Island and the rest of Collier County, and in Bonita Springs and Estero.
South Florida
We also handle association claims in Cape Coral, Fort Myers and South Florida. See all areas we serve.
Condo association claim FAQ
Who hires the public adjuster, the board or the owners?
For the master policy claim, the association does, through the board. Unit owners can have their own HO-6 claims, and we explain how the two fit together.
Does the master policy cover the inside of units?
It depends on the declaration and Florida condominium law. Generally the association covers the structure and some original items, and owners cover their improvements and contents.
Can you work with our property manager and engineer?
Yes. We coordinate with the manager, engineers and contractors so the claim and the repairs move together.
How is the fee handled for an association?
The fee is a percentage of the recovery, stated in the contract the board signs, and there is no fee if there is no recovery. See public adjuster fees.
Do you handle HOAs as well as condos?
Yes. We handle claims for homeowners associations on their common property and buildings.
General information only, not legal advice. Your policy and Florida law govern your claim. Florida law and your policy set deadlines for claims and supplemental claims (section 627.70132). More answers on our FAQ page.
Other damage we handle
One loss often involves more than one type of damage. See every service on our Residential claims page.
Building damage? Talk to us about your association's claim.
Talk to a licensed public adjuster today. The inspection is free, and if there is no recovery, there is no fee.
