Condo Claims Adjuster in Florida

Condo Insurance Claims in Florida Protecting Homeowners Not Insurers or HOAs

Condo owners handling complex insurance claims in Florida can achieve stronger outcomes by working with a licensed public adjuster. Condo claims in Florida are rarely simple. Between your personal HO-6 policy, the master HOA policy, and the insurance company’s adjuster, it’s easy to end up underpaid or denied. However, you don’t need to panic. PICC FLA licensed public adjusters step in to protect YOU, not your insurer, not your HOA.

Whether your condo has suffered damage, we carefully investigate your property, prepare a strong damage claim, and fight for the fair settlement you deserve. Your claim has deadlines. Don’t wait until your insurer runs out the clock.

Call PICC FLA today for a free inspection.

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Reclaim Control of Your Condo Claim, With PICC FLA on Your Side

Too often, condo owners feel powerless. They get caught between HOA rules, complex condo insurance policy details, and insurers who tend to delay and minimize. Meanwhile, repairs pile up, and your life gets on hold.

At PICC FLA, we level the playing field. With more than 30 years of Florida condo claims process experience, we come directly to your unit, document hidden and visible loss or damage, and negotiate until you receive the compensation you’re actually owed.

In 2024 alone, we helped Florida property owners recover millions in underpaid residential insurance claims and commercial claims. And if that’s not proof that our process works, then what is? One Fort Lauderdale unit owner came to us after their AC leak claim process was denied as a “maintenance issue.” We reopened the case, uncovered mold and wall damage claims, and secured an $84,000 payout.

We’re BBB A+ accredited, NAPIA and FAPIA members, Top Home Certified, and trusted with 5-star reviews across Miami and South Florida.

Don’t think of it twice. We are your people. Contact us today!

Why Choose PICC FLA Public Adjuster Instead of an Attorney or DIY?

When disaster strikes your condo, you have three options: go through it alone, hire an attorney, or work with a licensed condominium claims adjuster. The difference matters.

• Lower fees. Contrary to attorneys, who often take 40% of your settlement, PICC FLA charges only 10–20%, depending on claim complexity. No recovery, no fee.
• Damage expertise. Attorneys know contracts, but we know damage—hidden leaks, structural failures, electrical issues—that insurers try purposefully to ignore.
• End-to-end handling. From inspection to payout, we manage every step of the process so you can focus on living, not fighting insurers.

A PICC FLA public insurance adjuster is the smart choice. Our specialists in condo claims know exactly what an adjuster can uncover and how a public adjuster can maximize your recovery. Simply call us as soon as possible!

Call Us Today For A FREE Claim Analysis

Why Condo Insurance Claims Get Denied, Reduced, or Delayed

Insurance companies or HOAs use tactics to limit payouts. How?

• By blaming “maintenance issues” instead of covered claim types
• By arguing that responsibility falls on the other policy (master vs HO-6)
• By overlooking hidden or structural damage
• By offering depreciated value instead of full insurance coverage

Understanding Condo Master Policies

Your condo is your home, your memories, and your financial security. That’s why knowing what your HOA covers and what you don’t is mandatory in order to avoid surprise bills:

• All-inclusive policies cover fixtures and interiors, but not personal belongings.
• Bare walls-in policies cover only the building’s shell, while everything inside falls on your shoulders.
• Single Entity policies cover original unit condition, but exclude personal property and upgrades.

We interpret both your HO-6 and the master policy to eliminate coverage gaps insurers love to exploit. Contact us to request more information.

What Counts as a Condominium Insurance Claim?

• Water damage from pipe bursts, AC leaks, or water heater failures
• Fire or smoke damage to one or multiple units
• Storm, hurricane, or wind damage to roofs, windows, or interiors
• Tenant or guest destruction after eviction
• Theft of appliances, copper piping, or fixtures
• Mold, drain backups, and hidden water intrusion

Our expertise spans residential insurance, commercial insurance, and even specialized hurricane insurance claims. From minor leaks to catastrophic property loss, we know how to manage every type of condo case.

How PICC FLA Maximizes Your Condo Claim – Our Process

We handle your condo claim from start to finish:

1. We conduct a free policy review to examine your HO-6 and HOA policy for hidden entitlements.
2. We do on-site inspection, using advanced equipment and tools, like infrared imaging, aiming to uncover damage insurers often miss.
3. We handle your claim preparation & valuation, documenting every loss as well as pricing it, and matching it to coverage terms.
4. We negotiate by fighting insurers with irrefutable evidence and handle all communication.
5. We achieve a rightful settlement that gets you paid fast. We receive no upfront fees or payment, unless we win.

Why an Insurance Policy Review Can Save You Thousands

The fine print in condo policies hides costly gaps. Without a review, owners often end up suffering a loss that insurers should cover, especially in units with high-end upgrades or building code compliance issues.

We make sure you claim every benefit you’re entitled to, from temporary housing to mold remediation and full replacement value, not just what your insurer volunteers.

Claim Filing Tips – Do’s and Don’ts for Condo Owners

Do

• Document everything
• Report promptly

Don’t

• Assume that HOA coverage includes your unit
•  Discard damaged items before inspection

Local Expertise in Florida Condominium Insurance Claims

Your condo isn’t a simple unit. It’s your home, your investment, and your community. We understand the anxiety that comes with watching your space damaged and your future feel uncertain.

Whether your claim is new, pending, or denied, PICC FLA knows how to balance HOA and personal coverage to protect your rights.

We also work with condo associations and contractors to ensure community-wide repairs are fully funded and contractors are paid fairly.

Don’t leave money on the table. Call PICC FLA now to schedule your free condo insurance claim consultation—before deadlines or insurers cut off your options.

Call Us Today For A FREE Claim Analysis