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US POSTAGE

PAID

Jacksonville, FL

Permit No. 796

A

s a manager for a homeowners or condo owners

association, it is important that you understand

the language and details of the complex

insurance policies designed to protect the

building and the association.

It’s easier—and cheaper—for insurance companies to

avoid payment than it is to write a check for damages. Insurance

companies are masters at manipulating policy

language to benefit their bottom line. While it may seem

unfair, it is common. Understanding the small print that

exists on the insurance policy can help you avoid delays or

denials in financial recovery.

When disaster strikes, a lot of community associations

may not know the totality of the financial consequences.

Like most, HOAs count on their insurance policies to

provide the coverage that they will need to rebuild when

structural damage occurs. Unfortunately, the process of

recovery is not that easy.

After Hurricanes Michael and Irma, the amount of

damage that was left behind throughout the state posed a

real problem for HOA communities and condo buildings,

as they are still trying to recover and receive payments from

their insurance companies. With over 20,000 unpaid Hurricane

Michael related insurance claims across Florida, it is

essential to ensure that your HOA community has sufficient

coverage and is prepared for unexpected damages.

Review the HOA insurance policy & its

coverage often

All homeowners associations and condo boards should review

their existing insurance policy and overall coverage

annually, to ensure it fits their community’s needs. This includes

knowing the deductibles that apply. Often, there are

different and larger policy deductibles for storms, hurricanes,

and floods, and it is important to know what exactly

is being covered. HOA property policies should also cover

common perils that affect the structure of the building or

community that they govern. When reviewing the policy,

be sure it includes coverage for:

• Structural damages to the building, including

windows and sliding glass doors

• Roof damage, including gutters and skylights

• Damage to common areas, including parking covers or

garages, railings, lobbies, elevators, swimming pools,

sports courts, landscaping and lighting structures

• General liability for the association

Representing

Policyholders Throughout Florida for Over 20 Years

EVERYTHING YOU NEED TO KNOW

ABOUT HOA & CONDO ASSOCIATION

INSURANCE CLAIMS

Make Sure You Review the HOA Bylaws

& the Condo/Unit Owners’ Policies

When the HOA submits a claim, it is important to review and

understand the bylaws to determine whether the association

or the unit owner is responsible for covering the damages.

HOAs provide bylaws, which are governing guidelines. The

bylaws should cover items such as: how often meetings are

held, how many people are on the board, and what defines

the common elements or areas of the building, versus what is

considered to be the individual unit owners’ property.

Additionally, the HOA provides hazard and liability

insurance, as part of the unit owners’ monthly condo dues.

The policy covers common elements and shared features

such as the roof, the exterior structure of the building, and

amenities, such as the pool and gym.

On the other hand, individual unit owners have their

own insurance, also known as an HO6 insurance policy. This

provides condo/unit owners coverage for their own properties,

belongings, and everything within the walls of their individual

unit(s). This policy also protects against liability claims

and helps cover the costs of living if the unit is uninhabitable.

What types of HOA insurance claims does the

association typically file?

• Storm and hurricane damage

• Fire and smoke damage

• Water damage

• Broken water lines, water heaters and sprinklers

• Roof damage

• Damage to common areas including elevators, lobbies,

swimming pools, parking covers, etc.

Why would the insurance company dispute the

HOA’s claim?

When homeowners associations, condominium associations

and townhome associations file property damage claims, it is

typically because structural damage to multiple condos, units

or common areas has occurred. And when the damages are

extensive, so is the difficultly in accounting for, documenting,

and covering all insured losses. This makes the recovery

process complex, and insurance companies often use that to

their advantage. They often claim that there is insufficient

documentation of the damages or that the policyholder did

not notify their insurer in a timely manner. Many times, the

insurer will just deny a valid claim, often without a legitimate

reason or explanation, but simply to save them money.

SPECIALIZING IN

INSURANCE

PROPERTY

CLAIMS FOR...

MOLD

FIRE & SMOKE

PIPE LEAKS

STORM DAMAGE

ROOF DAMAGE

...AND MUCH

MORE

2 JANUARY 2020 - For All Your Property Management Needs - www.PropertyManagementMagazine.com

The Morgan Law Group, P.A. is a law firm specialized in the area of representing

homeowners, businesses, homeowners associations and condominium associations

with their insurance property claims. The firm’s principal attorney, Thomas J.

Morgan, Jr., has been handling property claims on behalf of policyholders since

2003 and as a result, the firm has become one of the leading litigation firms in

Florida and has recovered millions of dollars on behalf of policyholders. With offices

in Miami, Naples, Panama City and Orlando, The Morgan Law Group has extensive

experience handling all types of claims, such as hurricanes, fires, broken pipes and

more. We can be reached for legal councel by calling 866-967-8964 or visting our

website www. PolicyAdvocate.com.

CROSSWORD Enter to Win $100

Complete the puzzle using the clues below along with the ads and editorial from this issue

ACROSS

1. Aluminum and _____ Windows

& Doors

4. We are Known by the Companies

We Keep

5. Individual unit owners have their

own insurance, also known as

8. www.Policy_____.com

9. Contact Us for Custom Pricing

on Large Jobs

10. The Grass is Always

Greener

12. Annual _____

DOWN

2. You paid your _____

...Let it cover your loss!

3. Experts in Bulk

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5. Low Price Guarantee on All _____

6. _____ Curbing

7. _____ Certifications

11. Ten items must be of the same _____

Name ____________________________________

Telephone _______________________________

Address _________________________________

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Email ____________________________________

SUBMIT ENTRIES VIA:

Email: info@propmanmag.com

Mail: Property Management Magazine

Crossword Competition, 721 NE 3rd

Avenue, Fort Lauderdale, FL 33304

OR Fax: (954) 206-6988.

Entries must reach us by Thurs., 1/30/20

to qualify — drawing will take place on

Fri., 1/31/20. Winner will be notified

via phone & must claim prize in person at

our Fort Lauderdale office and take photo.

The winner’s details will be published in

our February issue.

ONLY ONE ENTRY PER HOUSEHOLD. All decisions final. By

participating, the crossword competition winner agrees to have their

name & likeness published in an upcoming issue of the Property

Management Magazine. Contest void where prohibited.

Congratulations to Our

Nov./ Dec.Crossword Winner!

TERESA HUNT

Bookkeeper, Campbell Property

Management, Pompano Beach


ACCOUNTING

ATTENTION ALL

PROPERTY MANAGERS,

HOAs, CO-OPs AND

CONDO ASSOCIATIONS!

OUR PRODUCT

Look no further... We are the resource

guide for all Property Management needs!

This magazine features professionals

specializing in building, servicing,

maintaining and repairing all facets of

commercial properties. Spanning a variety

of industries, we’ve organized these

company listings in a user-friendly format

that will enable you to easily find any

service or product that you’re looking for.

We deliver a monthly product aimed

directly at putting commercial services in

front of the right decision makers.

OUR PROMISE

We strive to present commercial

professionals in a manner that best

explains their business by presenting

information representative of their work.

Through strong visuals, clear and concise

descriptions of skills and expertise as well

as a wide and ever-increasing assortment

of professionals we will provide you with

what you need to maintain and improve

your property. Thank you from all of us at

the Property Management Magazine for

supporting local businesses!

GO DIGITAL

View our digital magazine and our

online directory at:

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Get in Front of Our Readers...

CALL US TODAY!

(877) 717-6780

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www.PropertyManagementMagazine.com

DISCLAIMER: We endeavor to accept reliable advertising, however, we

cannot be held responsible by the public for any advertising claims.

INDUSTRIES

FEATURED

IN THIS ISSUE

Accounting ........................................................................................................ 7

Attorneys ........................................................................................................... 8

Backflow Services ......................................................................................... 9

Electrical Contractor .................................................................................... 10

Fans ...................................................................................................................... 12

Fencing ............................................................................................................... 12

Fire ........................................................................................................................ 15

Flooring ............................................................................................................... 16

Floor Care .......................................................................................................... 17

Garage Services ............................................................................................. 17

Janitorial Services .......................................................................................... 18

Landscaping ..................................................................................................... 19

Painting ............................................................................................................... 20

Patio Furniture and Repairs ...................................................................... 21

Paving .................................................................................................................. 23

Pest Control ...................................................................................................... 25

Plumbing ............................................................................................................ 26

Pool Remodeling and Equipment ......................................................... 27

Pressure Cleaning .......................................................................................... 28

Restoration Services .................................................................................... 28

Saunas and Steam Rooms ........................................................................ 29

Sidewalk Repair .............................................................................................. 29

Tree Trimming .................................................................................................. 30

Underground Plumbing .............................................................................. 31

Waste and Recycling ................................................................................... 32

Water Heaters .................................................................................................. 32

Window Treatments ..................................................................................... 33

Windows and Doors ..................................................................................... 33

Index ..................................................................................................................... 34

How Can We

Help You?

Share Your Ideas

Email suggestions to

info@propmanmag.com

(877) 717-6780 • www.PropertyManagementMagazine.com


23,000 Magazines Mailed Monthly to Property Managers, HOAs, Condo Associations & Co-Ops - TO ADVERTISE CALL (877) 717-6780

7

ATTORNEYS

BACKFLOW SERVICES

Find a Professional

Near You

Visit us at

www.PropertyManagementMagazine.com



23,000 Magazines Mailed Monthly to Property Managers, HOAs, Condo Associations & Co-Ops - TO ADVERTISE CALL (877) 717-6780 9

ELECTRICAL CONTRACTOR

ELECTRICAL CONTRACTOR



FANS

FENCING

FENCING



FENCING

FIRE



FLOORING

FLOOR CARE GARAGE SERVICES



JANITORIAL SERVICES

LANDSCAPING

Who Do You

Recommend?

Refer a Pro!

Email us at

info@propmanmag.com




PAINTING

PATIO FURNITURE AND REPAIRS

Your Trusted Resource for

Commercial Professionals




PATIO FURNITURE AND REPAIRS

PAVING



PAVING

PEST CONTROL



PLUMBING

POOL REMODELING AND EQUIPMENT



PRESSURE CLEANING

SAUNAS AND STEAM ROOMS

RESTORATION SERVICES

SIDEWALK REPAIRS



TREE TRIMMING

UNDERGROUND PLUMBING



WASTE AND RECYCLING

WINDOW TREATMENTS

WATER HEATERS

WINDOWS AND DOORS



INDEX

Access Control Systems

Fire Alarm Systems Security Inc, Page 5, 15

Sunkel Electric, Page 11

Accounting Services

Michael B. Moskowitz, CPA, Page 7

ADA Ramps

Amaran Group LLC, Page 24

Alarms


Arborist Services

GRC Services, Page 19

Artificial Turf

Southern Ornamentals and Fence, Page 14

Asphalt Overlays & Repairs


Asphalt Striping & Seal Coatings


Attorneys

The Morgan Law Group, Cover, Page 3, 8

Backflow Services

Florida Backflow Services, Page 9

Balconies


Bookkeeping


Breaker Panel Replacements

Hypower Inc, Page 10

Bulk Debris Collection

Trashouts LLC, Page 32

Car Stop Installation & Removal


Carpet Cleaning

T&M Services, Inc, Page 18

CCTV



Cleaning Services


Concrete Curbing


Concrete Garbage &

Dumpster Enclosures


Concrete Resurfacing,

Restoration & Repairs


Oceans Elite Construction, Page 23

Concrete Walls & Columns

All Fencing and Repair, Page 14

Decorative Concrete


Demolition Services


Doors

All Pro Windows & Doors, Page 33

Drain Pumping

Plumbing Experts, Page 26

Electrical Contractor



Emergency Lighting


Fans

Dan’s Fan City, Page 12

Faucets


Faux Finish & Murals

Advanced Painting Systems Inc, Page 20

Fencing


Atlantic Coast Precast, Page 12

CBR Fabricators, Page 13


Fertilization


Life Cycle Pest Control, Page 25

Tropical Home & Garden Pest Control, Page 25

Fiber Optics


Fire & Burglar Alarms


Fire Inspections


Fire Protection Services


Fire Pumps


Floor Care

Doctor Marble, Page 17

Floor Coatings

Garage Makeovers Inc, Page 17

Premier Coatings, Page 2, 16

Flooring



Garage Cabinets


Garage Floor Coatings



Gates




General Contractor

Advanced Restoration & Company Inc, Page 28

Generators



Grease Traps


Grout Cleaning


Hardscapes


Holiday Lighting


Hot Tubs

The Sauna & Steam Center, Page 29

Hydro-Excavation

Bob Smith Plumbing, Page 31

Impact Windows & Doors


Insurance Claim Litigation


Irrigation Installation & Repairs

America Stars LLC, Page 30


Irrigation Testing

Florida Backflow Services, Page 9

Janitorial Services


Landscape Lighting



Landscaping Design & Installation


Landscaping Services


Lawn & Ornamental Treatments



Lawn Service & Maintenance



LED Lighting



Legal Services


Lighting


Louvered Roof Systems


Marble Polishing & Restoration


Mold Remediation


Mosquito Control


Outdoor Furniture

Dr. Strap, Page 21

Sun & Beach Patio Furniture, Page 22

Outdoor Furniture Upholstery

Dr. Strap, Page 21


Outdoor Kitchens

Discount Pool & Patio, Page 27

Painting


Parking Lot Lighting


Parking Lot Repairs


Parking Lot Striping


Patio Furniture

Dr. Strap, Page 21


Patio Furniture Repairs

& Restoration

Dr. Strap, Page 21


Patio Remodeling



Paver Sealing


Five Star Clean & Seal, Page 28

Paving




Pergolas



Pest Control




Pipe Replacement



Plantation Shutters

5 Day Plantation Shutters, Page 33

Plumbing



Pool Equipment & Heaters


Pool Remodeling


Popcorn Removal


Pressure Cleaning



Five Star Clean & Seal, Page 28


Railings




Recycling Services


Restoration Services


Rodent Control



Roof Painting


Root Removal


Saunas


Security Cameras



Sewer Line Replacement



Sidewalk Installation & Repairs


Florida Sidewalk Solutions, Page 29


Sliding Glass Doors


Smart Car Charging Stations


Spas


Speed Bump Installations


Spray Decking


Stair Railings



Stamped Concrete


Steam Rooms


Structural Repairs


Structural Steel


Stucco Repairs


Surge Protection


Tax Services


Termite Treatments


Tile Cleaning


Toilets


Trash Pickup Services


Tree Trimming



Tunneling for Plumbing Repairs



Turf


Underground Plumbing



Waste Pickup


Water Damage Repairs

& Restoration


Water Heaters


Water Heaters Only, Page 32

Water Leak Detection





Weed Control


Welding Repair Services


Window Replacement


Window Treatments

5 Day Plantation Shutters, Page 33

34 JANUARY 2020 - For All Your Property Management Needs - www.PropertyManagementMagazine.com 23,000 Magazines Mailed Monthly to Property Managers, HOAs, Condo Associations & Co-Ops - TO ADVERTISE CALL (877) 717-6780 35

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