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.

Why Are HOA and COA Claims So Complex?

Insurance claims involving community associations are rarely simple. Some of the biggest challenges include:

  • Shared/common property coverage disputes — Who’s responsible for what?
  • Complex insurance policy language that’s difficult for boards to interpret
  • Large-loss or catastrophic damage claims that involve multiple buildings, amenities, and property
  • Insurance company tactics that delay or minimize payouts
  • Documentation and valuation disputes — what was damaged, how much will repairs really cost?

The result? Many associations get stuck with partial settlements that don’t come close to covering the real cost of repairs — or even worse, complete claim denials.

How Boggs Law Group Helps HOAs and COAs

Our experienced legal team works directly with HOA and COA boards, community managers, and property management companies to:

  • Review and interpret complex insurance policies
  • Help the board understand what’s actually covered
  • Document losses properly to strengthen the claim
  • Communicate and negotiate directly with insurance carriers
  • Handle litigation when insurers refuse to pay fair value
  • Keep boards in compliance with their fiduciary duties

We fight to ensure that your community receives the full compensation it is owed — not just what the insurance company is willing to offer.

Common Claims We Handle for HOAs and COAs

  • Hurricane and storm damage — roofs, siding, water intrusion, common areas
  • Fire damage to shared property
  • Construction defects — new build or renovation issues
  • Large-loss property claims — pools, elevators, parking garages, clubhouses
  • Business interruption and loss of use (if applicable for revenue-generating amenities)
  • Denial of previously approved coverage after reinspection or engineering reports

Don’t Settle for Less — Your Community Deserves Better

If your HOA or COA is dealing with a denied, delayed, or undervalued claim, you do not have to face the insurance company alone.

Boggs Law Group is here to help communities protect their property, their finances, and their residents.

Contact us today for a free consultation and let’s discuss how we can help your association fight back and recover what it is owed.