Are you a board member or officer of a Houston-area condo association who’s struggling to get your insurance provider to fairly honor your policy after a disaster? If so, our condo association insurance claim lawyers in Houston, TX, are here to help.
At Barcus Arenas, PLLC, our Houston insurance claims lawyers understand the challenges involved in handling a condo association insurance policy, and we have worked for two decades to protect our clients’ rights and help them receive the full compensation they’re owed.
Understanding Condo Association Insurance
Condo associations are generally responsible for maintaining common areas and shared structures. To protect these assets, they typically purchase a master condo policy, also known as a condo master insurance policy.
This policy is designed to cover storm damage to the building’s exterior, shared walls, hallways, elevators, roofs, and other communal features. In Texas, these master policies can be complicated and vary widely in what they cover.
After a severe storm—such as a hurricane, hailstorm, or wind event—it’s not uncommon for insurance carriers to delay, underpay, or deny claims, leaving associations in limbo and residents frustrated. That’s when hiring a condo association insurance claim attorney becomes critical.
For a free legal consultation with a condo association insurance claim lawyer serving Houston, call (800) 941-1041
Is Condo Insurance Mandatory?
While condo insurance is not required by Texas law or most state laws, it’s frequently mandated by mortgage lenders as a condition of your loan. Even if it’s not required, condo insurance is strongly recommended.
Without it, you’re left to pay out-of-pocket for damage to your belongings, liability claims, or hotel stays if your home is unlivable due to a covered event.
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Common Challenges with HOA Condo Insurance Claims
Handling a property damage claim under an HOA condo insurance policy is rarely straightforward. Condo associations often face pushback from insurers who are more focused on protecting their bottom lines than honoring the full scope of a condo master policy.
Whether it’s confusing policy language, insufficient inspections, or outright denial of valid claims, these challenges can delay recovery and place undue strain on the association. Below are some of the most common issues you face when filing a claim against your condo association insurance policy:
Policy Interpretation Disputes
Insurance companies often dispute the interpretation of key terms in the HOA condo insurance policy. They may claim certain damages are excluded or not covered under your specific plan, even when that’s not the case.
Incomplete Damage Assessments
Adjusters sent by insurers sometimes conduct rushed or incomplete inspections. This can result in large portions of the damage being missed or undervalued, significantly lowering the payout under your condo master policy.
Delay Tactics and Bad Faith
Some insurers use delay tactics to avoid paying out on HOA condo insurance claims, hoping the association will grow desperate and accept a lower offer. In more egregious cases, they may act in bad faith by denying valid claims altogether.
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How Barcus Arenas, PLLC, Can Help Your Association
At Barcus Arenas, PLLC, we represent Houston condominium associations and HOAs in disputes with insurance companies.
Our experienced team may work directly with board members, property managers, and contractors to assess damages, interpret policy language, and hold insurers accountable. We provide strategic legal support for:
- Reviewing and analyzing condo master insurance policies
- Documenting and proving the full scope of storm-related damages
- Negotiating and litigating underpaid or denied claims
- Ensuring compliance with all Texas insurance claim deadlines and regulations
- Filing lawsuits, if necessary, to secure a fair recovery
Whether your association’s condo master policy covers wind, water, or hail damage, we ensure no detail is overlooked and that your insurance carrier upholds its obligations.
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Why You Need a Condo Association Insurance Claim Attorney
Dealing with insurance adjusters, interpreting dense policy language, and managing the fallout from storm damage are enormous tasks for condo association boards. A skilled condo association insurance claim lawyer in Houston can level the playing field and bring legal pressure when your insurer fails to pay what’s fair.
Instead of trying to face complicated insurance negotiations alone, let a knowledgeable attorney guide the process. We can take on everything from the initial notice of loss through to the resolution of your HOA condo insurance claim.
Why Condo Owners Still Need Insurance—Even with a Master Policy
A condo master insurance policy purchased by the condo association usually covers the building’s structure, exterior, and common areas. This policy protects the overall property and is meant to address damages that impact the community. However, this master condo policy does not cover the interior of individual units, personal property, or liability for accidents inside a unit.
That’s why condo owners still need their own HO6 insurance policies. Your personal policy complements the condo association insurance policy by filling in the gaps. When it comes to cost, several factors influence how much you’ll pay for condo insurance. These include:
- The total value of your personal belongings
- Your condo’s location and proximity to risk-prone areas (e.g., flood zones)
- The coverage limits and deductibles you select
- Optional coverage add-ons like water backup or earthquake protection
- Building features such as gated entry, sprinklers, or security systems
Understanding both your individual insurance policy and the association’s condo master policy is crucial for full protection.
Contact Us to Speak with a Houston Condo Association Insurance Lawyer Today
Storm damage to your Houston condominium can leave your association financially exposed and your community disrupted. Don’t let the insurance company dictate the terms of your recovery; instead, partner with a condo association insurance claim lawyer in Houston, TX.
At Barcus Arenas, PLLC, we fight to protect the rights of condo associations and HOAs across Texas. Schedule your free consultation with us today. Then, visit our FAQ page for more information.
Call or text (800) 941-1041 or complete a Free Case Evaluation form
