Condo Claims Adjuster | Condo, Co-op & HOA Insurance Claims NY?

Condo claims adjuster for condo, co-op and HOA insurance claims in New York, Nassau and Suffolk County. Master policy vs. HO-6, loss assessment, common elements. Call 516-410-0164.

Who pays for damage in a condo — the association or the unit owner?

It depends on the association's governing documents and the master policy. The master policy typically covers the building structure and common elements, while the unit owner's HO-6 policy covers interior finishes, improvements, contents, and loss assessment. Overlaps and gaps between the two policies are where most condo claims get disputed.

What is loss assessment coverage on a condo policy?

Loss assessment coverage pays your share when the association assesses unit owners for a covered loss that exceeds the master policy limits or deductible. Limits are often low by default, and we identify when this coverage applies to your claim.

Can a public adjuster represent a condo or co-op board?

Yes. We represent boards, managing agents, and unit owners on Long Island. For an association claim we document common-element damage, coordinate with the property manager, and negotiate the master policy claim with the carrier.

What if water from another unit damaged my apartment?

Your own policy usually responds first for interior damage, and the association or the responsible unit owner may be pursued for the deductible or uncovered amounts. We document the source, the path of the water, and the full scope of damage so the responsible policy pays.

How are high master policy deductibles handled?

Many Long Island associations carry deductibles of $10,000 to $100,000 or more, and some carry percentage wind deductibles. We build the claim so all covered damage across units and common areas is captured, which matters when a large deductible has to be cleared.

Do you handle co-op claims differently than condos?

Yes. In a co-op the corporation owns the building and shareholders hold a proprietary lease, so the split between the corporation's policy and the shareholder's HO-6 follows the lease language rather than a condo declaration. We read the governing documents before scoping the claim.

Claim Services

Condo, Co-op & HOA Insurance Claims on Long Island

Condo, co-op, and HOA claims turn on which policy pays: the association's master policy for the building and common elements, or the unit owner's HO-6 policy for interiors, improvements, contents, and loss assessment. Long Island Public Adjusters represents boards, managing agents, and unit owners across Nassau and Suffolk County — reading the governing documents, documenting damage on both sides of the line, and negotiating the settlement. Call 516-410-0164 for a free claim review.

Free Claim Review 516-410-0164

Master Policy vs. Unit Owner Policy

The association's master policy generally covers the building structure, roof, and common elements. The unit owner's HO-6 policy generally covers interior finishes, betterments and improvements, personal property, loss of use, and loss assessment.

Where the line falls depends on the declaration, bylaws, or proprietary lease — "bare walls," "single entity," or "all-in" coverage each shift the responsibility differently. We read those documents before scoping so no damage falls through the gap between two carriers.

Claims We Handle for Associations and Unit Owners

Roof and facade storm damage

Water damage from another unit

Pipe breaks in common walls and risers

Boiler, HVAC, and mechanical room losses

Fire and smoke damage across units

Sewer backup in basements and garages

Mold following a covered water loss

Loss assessment and deductible disputes

Why Boards Bring Us In Early

Association claims involve multiple units, shared systems, and owners who all want answers at once. We handle the documentation and carrier communication so the board and managing agent are not fielding adjuster requests between meetings.

Early involvement matters most where a large master deductible or a percentage wind deductible has to be cleared — the full scope has to be captured, unit by unit, or the claim looks smaller than the loss.

First Steps After a Loss

Photograph damage before any cleanup
Pull the declaration or proprietary lease
Notify the association and your own carrier
Log affected units and common areas
Call us before the carrier's adjuster inspects

Board or Unit Owner?

We represent either side of a condo or co-op loss. Call for a free review of the policy and the damage.

Call 516-410-0164

Condo, Co-op & HOA Claim Questions

How coverage splits between the association and the unit owner.

Get Clarity on Who Pays for Your Loss

We'll review the master policy, the unit policy, and the governing documents — then build the claim accordingly.

Get Your Free Claim Review