Why do I need an attorney for a denied insurance claim? -Perez Mayoral HOA, Condo & Business Lawyers

If you’re a homeowner or part of a condominium association and your insurance claim has been denied, it’s crucial to consult with a knowledgeable attorney who specializes in condominium or HOA law. Insurance claims in these settings are far more complex than typical homeowner’s insurance claims because the responsibilities for repairs and liabilities can involve multiple parties. For example, if a roof leaks and causes damage to a unit, the association may be responsible for the repairs, making an individual claim unnecessary or inadvisable. The key factors include where the damage originated—was it from a common element, another unit, or your own appliance? Given the complexities, it’s best to seek legal advice to navigate these situations properly.