Deerfield Florida
Deerfield Florida
Palm Beach Gardens Condominium and HOA Claims Adjuster

Palm Beach Gardens Condominium and HOA Claims Adjuster

The dilapidated ceiling of a condominium unit suffering water damage.

When disaster hits a condominium building, the entire community has something on the line. Managing a resulting insurance claim can be challenging, but know that you don’t have to go into it alone.

Pinnacle Claim Services is a dedicated Palm Beach Gardens adjusting firm that has served countless claimants walking in your shoes. Our associates are standing by to help you retain trusted claim representation. 

The first step is to meet with an adjuster in an initial consultation where you can discuss the damage and build a general course of action for your next steps towards recovery. This consultation is also a great time to review any questions or voice any concerns about the claims process.
Live claim experts are available 24/7. Call 954-466-2954 or contact us online to schedule your consultation today!

Palm Beach Gardens Condo and HOA Claims Adjuster Services That Work Solely for the Policyholder

Florida is famous for its condominium neighborhoods, which are packed with a sense of community and safety. For residents, these communities can be an oasis of enjoyable amenities, friends, and privacy.

Many people find that condos are more comfortable to live in because of the easier maintenance and shared facilities.  

To protect their beloved community, a neighborhood of condos may form a Homeowners Association (HOA). This group is a board of members (oftentimes residents) who will schedule meetings to address concerns and maintain the neighborhood’s appearance.

Those who reside within the community will pay monthly or annual fees to the HOA board to fund improvements and insure the common areas. 

A condominium and HOA claims adjuster can aid a resident or the HOA board as a whole when managing a claim to pay for property restoration. Insurance jargon and lengthy policy documents can make understanding your coverage a time-consuming and frustrating task. 

Even if a community invests in comprehensive coverage that accounts for all types of imaginable damage, it is still the policyholders’ responsibility to ensure that the benefits are being utilized in the existing claim. 

A public adjuster can ease the weight of claim management and take over the responsibilities of valuing the damage, submitting all necessary evidence, and negotiating the final settlement.  

What Will a Condo Policy Generally Cover?

The coverage that a property damage claimant can rely on will heavily depend on the specific wording in their actual policy documents. While there are many general protections that a property owner can count on in most standard policies, it is important to understand how comprehensive the coverage is and what it truly accounts for. 

A public adjuster can help you better understand what you are paying for within your condo or HOA insurance coverage and how those benefits can be useful in your existing claim. 

If you live in an HOA community, you will have additional coverage that extends to common areas, the exterior, and other amenities available to the residents. This insurance is generally referred to as the Master Policy or HOA / Condo Association policy for the community. 

Coverage that applies to specific units is called a H0-6 condo or co-op insurance policy. In some cases, coverage benefits may overlap, but many associations will require a resident to have both once they move in because they protect different areas. 

What Is The Purpose of an HOA?

A Homeowners Association (HOA) is designed to manage a neighborhood and maintain the sense of community within. 

It is reported that roughly 45% of all Florida homes are part of an HOA. These associations are generally established in an area to increase property values, enhance the unified look of the space, oversee the common areas, and address concerns shared by the residents. 

An HOA can also act as a mediator in disputes between neighbors, provide security measures, and ensure shared spaces. To accomplish all of these goals for the community, the association may charge monthly or annual fees from the property owners.  

HOA Master Policy Coverage

A portion of the HOA fees that a property owner pays will fund the Master HOA insurance policy. Florida law states that an HOA must obtain property insurance to cover expenses related to damage in the common areas of the community, including the outer walls, all windows, roofing, gutters, and critical infrastructure such as plumbing, electricity, HVAC, elevators, etc. 

Floridians are paying an average of $400-$750 a month on HOA fees, which is nearly triple the national average. 

Even though residents are paying more, it doesn’t necessarily mean the community is getting more out of their policy. When an insurance representative undervalues the worth of an HOA damage restoration claim, the association is still responsible for maintaining the space in a safe condition.

Moreover, the financial weight of the recovery will fall back onto the property owners. 

In some communities, the homeowners may have a say in what degree of coverage the HOA invests in, especially in a neighborhood that takes democratic votes regarding important decisions. You may obtain a copy of your HOA’s Master Policy for your own files. 

A Master Policy May Cover Damage Inside a Unit

The HOA policy may cover certain damage to the inside of a unit, and this coverage will generally fall into one of three categories:

  • Bare walls in: Just as described, this type of insurance will cover structural damage to the unit from the interior walls inward: drywall, studs, steel framing, plumbing, wiring, and insulation. This coverage will not extend to the property’s interior fixtures like cabinets, appliances, and flooring. 
  • Single entity: This type of insurance protection will cover everything listed in the bare walls coverage but will extend to certain interior fixtures as well. Cabinets and appliances, along with flooring, trim, and closets, may be covered areas. The specific restoration that the master policy will accept varies depending on the policy, so it is crucial to check the specifics of your insurance.  
  • All-in: An all-in master policy will generally cover almost all damage. With this kind of master policy, each individual unit has the same protections the exterior and shared spaces. This type of insurance will increase HOA fees significantly, but residents can save money on their own condo insurance policies. 

HOA Policies Extend to Personal Injury

Common areas in a condominium complex are perfect for hosting events, relaxing, and making use of community amenities. While an accident can happen anywhere, the specifics of establishing liability when someone is injured in a shared space can raise some questions. 

Residents cannot be held responsible for an accident that did not take place on their private property, so the expenses related to injuries sustained in a common area controlled by an association will be covered by the HOA Master Policy.  

H0-6 Insurance Coverage

An H0-6 policy will cover damage to the individual condo and co-op units, including loss of personal belongings and personal liability. An H0-6 insurance policy is a type of homeowner’s insurance but is specific to condominiums and other community-based residencies.

This type of coverage can be comparable to renter’s insurance (H0-4 policy), but H0-6 insurance will generally allow additional coverage for damage to specific fixtures and other structural elements of the interior.

In a claim utilizing your H0-6 insurance coverage, the policy will cover either the Actual Cash Value (ACV) or the cost of replacement for any material restoration. This coverage may include alterations, furniture, and more, depending on the language expressed in the policy. 

What Will an H0-6 Policy Typically Cover?

A standard H0-6 policy will include coverage for damage related to the following incidents: 

  • Accidental overflow or discharge of water or steam
  • Aircraft collision
  • Damage from faulty wiring or electrical incidents
  • Explosion
  • Falling objects
  • Fire and smoke
  • Frozen pipes
  • Lightning
  • Riot or civil commotion
  • Sudden and accidental tearing apart, cracking, burning, or bulging
  • Vandalism and theft
  • Vehicle collision
  • Weight of snow, ice, or sleet
  • Windstorm or hail 

HOA Assessments

In a situation where property repairs become necessary, the insurer may impose the cost of certain damage assessments on the policyholder. This becomes most common in cases where the coverage limits have been reached, or the annual deductible has not been met. 

Not all HOA property owners know that their Master Policy may cover the cost of certain assessments, but a public adjuster can help you search through your insurance documents for these hidden but impactful benefits. 

When Is Coverage NOT Available?

No insurance policy will cover the cost of repairs caused by lack of maintenance to the property or damage that was worsened because of neglect or DIY attempts. A property owner must prove to an insurer that they made their best efforts to mitigate damage and keep the property in fair condition. 

Palm Beach Gardens Condominium and HOA Insurance Claims Adjusters That Help You Make the Most Of Your Claim 

Property damage can be a confusing financial experience to manage, even if you have insurance coverage. A condominium and HOA insurance claims adjuster is a licensed professional who is tasked with protecting the interests of a policyholder when they file a damage claim. Ultimately, our goal is to ensure that you don’t walk away with out-of-pocket expenses that are covered by your insurance.

It is always advised to face property damage as soon as possible, so call Pinnace Claims Services today. Representation is a phone call away. Our live claim experts are available 24/7. 
To schedule an initial consultation with a public adjuster from Pinnacle Claim Services, call 954-466-2954 or contact us online.


Living in South Florida, we are no strangers to natural disasters.


Damage Inspection

Damage Inspection

Insurance Policy Review

Insurance Policy Review

Insurance Claim Review

Insurance Claim Review

Insurance Claim Questions

How can Pinnacle Claim Services, Inc. help me?

When disaster strikes, it can be difficult knowing where to turn or who to ask for help. Pinnacle Claim Services’ professional team of Florida public insurance adjusters and support experts are here to assist you throughout every step of your damage claim from emergency services and mitigation through final settlement.

Some of the most common issues people experience with insurance companies after property damage has occurred and a claim has been initiated include: unreasonable delay on the part of the insurance company, inadequate training of the insurance company’s adjusters and adjusters that are “so busy” that your claim gets zero attention and does not progress towards resolution. Additionally, you may not have the appropriate policy with the right type of coverage or limits.

There is no set time period for settling a property damage claim with an insurance company and each claim is different. You could receive a check in a few days or it could be a few weeks. Also, it may take multiple rounds of negotiations and payments for you to be adequately and justly compensated for your claim.

Absolutely not. Some companies do possess better reputations than others and there are some who consistently delay the process unnecessarily. It’s important that you comply with your “duties after the loss” (duty to mitigate etc.) Call us, we can help!

Trust Pinnacle Claim Services, Inc: Your Local Top-Rated, Licensed & Insured Public Adjusters in Palm Beach Gardens!

Dale GorchoffDale Gorchoff
15:17 18 Jul 22
Positively amazing results from Pinnacle Claim Services. The diligence and professionalism from our exceptional adjuster and the superb support staff facilitated an unexpected outcome better than we could have ever imagined. Sincere thanks to everyone at Pinnacle for being there when we needed them. We would recommend Pinnacle for adjuster services without reservation.
Matida YoungMatida Young
09:10 07 Apr 22
The company done an outstanding job in getting a settlement for me. Without Brad and staff workingDiligently I would of got nothing. Brad PittmanPull the necessary sources to help me which IWill never forget. That is fighting for his clients.I was treated with respect and informed of everyDetailed steps in which I received more than 100%Satisfaction. There is no doubt in my mind I wouldUsed there service again again. And highly recommend my friends.
Denise AdamsDenise Adams
12:23 28 Mar 22
Thanks to Euton and Lori for all the help with my claim. They kept me informed continously check in with me regarding the claim. This company was awesome and I would and have been recommending Pinnacle claims to others. Great job.
Michelle TullochMichelle Tulloch
18:33 24 Mar 22
I would like to say thank you to the outstanding team working at Pinnacle . From start to finish. Special thanks to Linda who held my hand, listened to me getting impatient, stressed and overwhelmed. It was always service with a smile. She followed up with issues involving my claim as she said she would. Had an issue with payout and I was not happy. Brad jumped in and helped to further resolve the issue with the Insurance Company. Pinnacle is about you getting your correct settlement. I will definitely recommend to family and friends. Thank you Pinnacle family. I was truly blessed to have your firm represent me .
Tabitta MichelTabitta Michel
19:35 08 Feb 22
Thank You Linda.I was lost I did not know what to do with the issues I had with my claims with another company. And you took the time to help me find some answer I truly appreciate that. I would recommend my family and friends to the Pinnacle. A friend had referred me he was right.
Marie JacquesMarie Jacques
17:45 18 Aug 21
Everyone was professional.We initially started with Brad whom is very patient and attentive to every word and he extended our expectation. Miss Linda always so kind and respectful, she made sure we understood the process and always communicated every step.
Judy BJudy B
15:48 03 Jul 21
I can't thank Brad Pridemore of Pinnacle Claim Services enough for his help with our insurance claim resulting from hurricane related roof damage.Not knowing how the claim process worked and dealing with serious medical issues, it felt amazing to have someone on our sidethat is knowledgeable, worked for us and our best interest!After suffering a loss, most insurance companies give you the run around. Upon hiring Pinnacle Claim Services they immediatelygot to work on our case, communicating every step of the way. Our insurance company managed to drag it out for months,with a variety of moves intended only to delay, delay. None of the delays were Pinnacle's fault. In the end, Brad was able to get the insurance company to settle, we got a new roof and we couldn't be happier.Their fees are fair and we really appreciate all their efforts.If you find yourself in the situation that your home has been damaged, do yourself a favor and give Brad a call, you won't be sorry.Just remember, it can be a long process, but in the end it's worth the wait.I would highly recommend talking to and hiring Pinnacle Claim Services.Thank you Brad. You've been a lifesaver!
Javier GoodJavier Good
17:33 15 Feb 21
The team at Pinnacle Claims exceeded my expectations. Tom came in after my insurance company had settled a total of $9,829 for covered damages to my home, and he, Monica, Brad and Pat were able to get me another $15,530 after their fees, for a total insurance claim settlement of $25,359 so that I could fully repair the covered damages in my home the right way. They were very good at keeping me informed of the progress of the negotiated settlement, and educated me about the process and the law. Thank you Pinnacle Claims!!
Abigail BineyAbigail Biney
15:30 11 May 20
Pinnacle Claim Service, did a phenomenal job helping me with my roof claim, it was a long process but they were on top until the last .I can't thank them enough. Brad is some one who knows his job and does it well. They stay on top of everything and I don't have to tell them. Before you ask, it already done it. Thank you Brad, Any the way, I'll will recommend this Pinnacle to friends and Love ones.
About Us

Pinnacle Claim Services will request a copy of your policy, file the proper paperwork for you, put together a comprehensive estimate of damages and negotiate a fair settlement Do not become emotionally burdened. Do not be denied money for repairs you deserve. Rely on Pinnacle Claim Services to work on your behalf, keeping you informed throughout every step of the process to get every penny you deserve from the insurance companies.

Firm License # W806323