Claims
Community Association Claims Advocacy
A major property or liability loss can place significant pressure on boards, managers and residents. Insurance for Communities helps clients understand the claims process and coordinate communication around insured losses.
Where we help
Before, during and after the loss.
Coverage determinations are made by the insurance carrier. Our role is to help the association present its loss clearly, keep communication organized and understand what is happening at each stage.
Before a loss
Current property schedules, photographs, maintenance records, vendor contracts and a known reporting procedure make a claim easier to substantiate later.
After a loss
Protect people, prevent further damage where safe, document conditions and notify promptly. See the after-a-loss guide.
Documentation
Dated photographs, invoices, inspection reports, correspondence and a written timeline of events.
Carrier communication
A single coordinated line of communication reduces conflicting information between the board, manager, adjuster and contractors.
Contractor coordination
Emergency mitigation, scope development and repair sequencing kept aligned with what has been documented and reported.
Board communication
Consistent updates the board can share with owners, without speculating about coverage outcomes.
Loss trends
Reviewing claim history for repeat causes so the underlying condition can be addressed.
Post-loss risk improvement
Corrective actions documented and presented at renewal so underwriters can see what changed.
Coverage depends on the specific policy language, endorsements, facts of the loss and applicable law. This page is general information, not legal advice or a statement that coverage applies.
Practical guide
What to do after a loss.
A short, general reference boards and managers can keep on hand for the first hours after damage occurs.
Next step