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.