Will your insurance or HOA insurance pay for water and fire damage to your condo?

Has a flood or fire turned your condo castle into a condo campground? If so, then San Diego Dry Express Restoration can restore your condo to its castle status and alleviate your stress by working with your insurance company. Since 2006, San Diego Dry Express Restoration has been helping condominium owners cope with both their fire damage insurance claims and their flood damage insurance claims.

Condo Fire Damage Restoration ServiceSometimes it can be confusing knowing which repairs the condo owner is responsible for and which are the responsibility of the homeowner’s association. Generally, the condo owner is responsible for all repairs to the interior from the paint inward, and the homeowner’s association is responsible for all repairs from the drywall outward, including items such as hallways, stairways and stairwells, exterior walls and so forth. In some of the larger complexes, the homeowner’s association will also pay for items that are permanently affixed to the unit, such as sinks and toilets, cabinetry and the like.  The homeowner is usally responsible for flooring such as carpeting and tile but when the tile is wall related such as in a shower it is usually the homeowner’s association’s responsibility.

Much of the “grey” area on who pays for what and how it is paid for is outlined in the CC&R’s.  These are the homeowner association bylaws that govern how remediation such as water, fire, and mold are dealt with.  The CC&R’s are usually available from the president of the homeowners association and / or the property manager that manages the account.  When insurance related these CC&R’s are reviewed by all insurance carriers involved and they have a sort of dialogue between one another to determine which company pays for what.

Since there often is an overlap between the condo owner’s insurance policy and the insurance policy carried by the homeowner’s association, it can be difficult to know exactly which repairs are covered under which policy. This is one of the areas where San Diego Dry Express Restoration can help. We are experts in deciphering insurance policies, so we can help you determine what is covered under your policy and what repairs need to be covered by the hoa insurance policy. We know the procedures that most insurance companies use and can guide you through the process of restoration.

For fire damage, San Diego condo owners turn to San Diego Dry Express Restoration more than any other company. For water damage, San Diego condo owners turn to San Diego Dry Express Restoration more than any other company. We are experts in deciphering insurance policies and will quickly and professionally restore your condo to its castle status.

If you have fire damage or water damage to your San Diego condo, give Dry Express Restoration a call and not only will we help with your insurance claims, but we’ll handle all of the repairs as well. Call us today! 619.597.2003

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