When disaster strikes — whether it’s a hurricane, storm, fire, or major construction issue — homeowners associations (HOAs) and condominium owners associations (COAs) rely on their insurance policies to cover the cost of repairing and restoring shared property.

But far too often, these associations find themselves facing denied, delayed, underpaid, or undervalued insurance claims — leaving board members scrambling to figure out what to do next, and residents frustrated with the lack of progress.

At Boggs Law Group, we specialize in helping HOAs and COAs navigate these complex situations and fight for the compensation their communities deserve.

When a major storm hits Florida, property damage is often unavoidable. But for homeowners, the real challenge often begins after the storm—navigating your insurance claim.

One of the most misunderstood aspects of storm-related claims is the difference between wind damage and flood damage, and how each is treated by insurance providers. Understanding the distinction could mean the difference between a fully paid claim and a denied one.