May 5, 2010

Hurricane damage occurred to a condominium complex in 2005. Due to claims issues, a settlement was not reached until 2009. Due to code and/or ordinance law, the condominium complex had to have hurricane resistant glass installed as well as sprinklers in all units. The work was done in 2010 and walls and ceilings were opened to install the sprinkler system. The association took care of the costs for the glass and installation of the sprinkler system. However, they advised the unit owners that cleanup and redecorating was the responsibility of each unit owner. The insured filed a claim with his carrier for repairs as a result of the hurricane. The carrier denied the claim based on no direct damage from the hurricane. Does the insured have a viable claim under his condominium policy?

Florida Subscriber