Questions to Ask a Management Company About Insurance Claims and Storm Response

By Homeland Public Adjusters
Licensed public adjusters serving Florida & New Jersey

Chart of questions a condo or HOA board should ask a management company about claims and storm response

Short answer: a manager can run a building beautifully and still be unprepared for a large claim. Before you hire or renew a management company, ask how they handle storm preparation, documentation, claims and owner communication, and who does what when the master policy has to respond.

Before the storm

• Do you keep a current copy of every policy, declarations page and endorsement, and a building-by-building schedule of values?
• Do you photograph each building and component every year, with dates?
• How do you track engineer recommendations from milestone reports and the SIRS?
• Do you have a written storm plan with vendor contracts already in place?

After the storm

• Who documents damage, and how fast?
• Who decides which contractors are hired, and how are their licenses and insurance checked?
• How do you separate building damage from unit damage, and communicate with owners?
• Do you bring in a licensed public adjuster for the association’s claim, and when?
• How do you keep the board informed of every claim decision, in writing?

Fit with the law

Florida boards have specific emergency powers after a declared emergency (§718.1265 for condos, §720.316 for HOAs). Make sure the manager knows which decisions belong to the board. See The Board’s First 14 Days After a Storm.

Frequently asked questions

Sources: Fla. Stat. §718.1265; Fla. Stat. §720.316; Fla. Stat. §626.854.

This guide is general information for association boards and managers, current as of October 2026. It is not legal advice. Your governing documents, your policies and your association’s attorney control.

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