Tannenbaum Scro, P.L.
Call For a consultation
941-444-9092 | 866-615-4543
Spanish Language Services Available

Condos and hurricane damage: Who is responsible for repairs?

Mid-August through late October is usually the peak hurricane season in Florida. Intense, dangerous storms often rumble through the state during this time, damaging even the best-prepared buildings and infrastructure.

In the wake of these weather events, condo owners face a potentially tricky clean-up question: Who, exactly, is responsible for what repairs when a condo is damaged by a storm or hurricane? 

Condo insurance requirements

Under Florida law, condo associations generally must have a property insurance policy that covers certain damage in the event of a hurricane or serious windstorm.

This policy has to provide primary coverage for all portions of the condominium property as it was originally installed, or for a replacement of the same quality and value. The insurance policy also has to cover certain alterations or additions that had been made to the condo property or association property.

Hurricane damage to these insured parts of the property is then the responsibility of the condo association to get repaired or replaced.

However, this property insurance does not cover everything within an individual's condo unit.

What isn't covered by the property insurance?

Certain items within an individual's condo unit are specifically prohibited from being included in this required property insurance. What in-unit features are excluded?

  • All personal property within a unit or in limited common elements
  • Floor, wall and ceiling coverings
  • Electrical fixtures
  • Appliances
  • Water heaters
  • Water filters
  • Built-in cabinets and countertops
  • Window treatments including curtains, blinds, drapes, or other similar items

None of the above is typically covered by the property insurance that is maintained by the condo association. If a unit owner wants insurance coverage for these items, it is up to that individual to buy their own policy.

Insurance coverage is an inherently complicated topic. Within a condominium property, responsibilities can become further tangled. This post is just a basic overview.

If there are disagreements, it may be a good idea to involve an attorney to protect your interests. Dealing with hurricane damage is difficult enough on its own. Having needed repairs ignored for weeks or months because of a dispute about who should pay only adds unneeded stress.

No Comments

Leave a comment
Comment Information

Tannenbaum Scro, P.L.
1990 Main Street
Suite 725
Sarasota, FL 34236

Toll Free: 866-615-4543
Phone: 941-444-9092
Sarasota Law Office Map

Tannenbaum Scro, P.L.
214 S. Lucerne Circle
Orlando, FL 32801

Phone: 407-956-2184
Orlando Law Office Map

Tannenbaum Scro, P.L.
970 Lake Carillon Drive
Suite 300
St. Petersburg, FL 33716

Phone: 727-287-1018
St. Pete's Law Office Map

Tannenbaum Scro, P.L.
1415 Dean Street
The Dean Suites
Fort Myers, FL 33901

Phone: 239-215-4131
Fort Myers Law Office Map