Claim Contact Info
You can file a claim directly with your insurance carrier by contacting their claims department:
1) UNIVERSAL PROPERTY & CASUALTY
phone: 800-425-9113 x2 Claims
2) FEDERATED NATIONAL INSURANCE
phone: 800-293-2532 x2 x2
3) CITIZENS PROPERTY INSURANCE
4) HERITAGE PROPERTY INSURANCE
phone: 800-415-7120 x1
web: claims have to be phoned in
5) WHITE PINE INSURANCE
6) QBE INSURANCE (FLOOD CLAIMS)
YOUR HOMEOWNERS POLICY (HO6)
For Wind damage, your homeowners policy (HO6) WILL cover the following items:
Coverage A (DWELLING) - kitchen cabinets & counter tops, bathroom cabinet & counter tops, flooring (carpet, tile, etc), wall paint, plumbing fixtures, electrical fixtures, appliances and water heater (if located within your unit).
Coverage C (PERSONAL PROPERTY) - furniture, clothing, dishes, etc.
LOSS ASSESSMENT COVERAGE - If you association assesses you for your portion of wind damage to the building common areas, you can file a claim and collect up to $2000 to help cover their assessment.
Loss Assessment Links:
YOUR CONDO ASSOCIATION
If you have damage to your condo unit, you'll want to file a claim with your insurance carrier and also notify your condo association.
For Wind damage, your master association is responsible for damage to the exterior building, windows, doors, roof, AC unit, and drywall in your unit. If you have damage to any of these items, you'll need to contact your condo association.
For a Wind event (like IRMA), your condo association is responsible for all Building items (damage to the roof, windows, doors, AC unit, drywall, etc) EXCEPT for your kitchen cabinets & counter tops, bathroom cabinet & counter tops, flooring (carpet, tile, etc), wall paint, plumbing fixtures, electrical fixtures, appliances and water heaters (if located within your unit). All of these items are excluded from coverage by your condo association and covered by your own homeowners policy (HO6).
718.111(11) Your Condo Association is required by FL Statute to cover the following:
(f) Every property insurance policy issued or renewed on or after January 1, 2009, for the purpose of protecting the condominium must provide primary coverage for:
1. All portions of the condominium property as originally installed or replacement of like kind and quality, in accordance with the original plans and specifications.
2. All alterations or additions made to the condominium property or association property pursuant to s. 718.113(2).
3. The coverage must exclude all personal property within the unit or limited common elements, and floor, wall, and ceiling coverings, electrical fixtures, appliances, water heaters, water filters, built-in cabinets and countertops, and window treatments, including curtains, drapes, blinds, hardware, and similar window treatment components, or replacements of any of the foregoing which are located within the boundaries of the unit and serve only such unit. Such property and any insurance thereupon is the responsibility of the unit owner.
627.714 Residential condominium unit owner coverage; loss assessment coverage required.--
(1) For policies issued or renewed on or after July 1, 2010, coverage under a unit owner’s residential property policy must include at least $2,000 in property loss assessment coverage for all assessments made as a result of the same direct loss to the property, regardless of the number of assessments, owned by all members of the association collectively if such loss is of the type of loss covered by the unit owner’s residential property insurance policy, to which a deductible of no more than $250 per direct property loss applies. If a deductible was or will be applied to other property loss sustained by the unit owner resulting from the same direct loss to the property, no deductible applies to the loss assessment coverage.
(2) The maximum amount of any unit owner’s loss assessment coverage that can be assessed for any loss shall be an amount equal to that unit owner’s loss assessment coverage limit in effect 1 day before the date of the occurrence. Any changes to the limits of a unit owner’s coverage for loss assessments made on or after the day before the date of the occurrence are not applicable to such loss.
(3) Regardless of the number of assessments, an insurer providing loss assessment coverage to a unit owner is not required to pay more than an amount equal to that unit owner’s loss assessment coverage limit as a result of the same direct loss to property.
(4) Every individual unit owner’s residential property policy must contain a provision stating that the coverage afforded by such policy is excess coverage over the amount recoverable under any other policy covering the same property.