local authorities to ensure resident safety and adherence to official guidance.
Damage Assessment & Documentation Once safe, owners (for their units) and property managers/HOA/COA boards (for common areas) should either thoroughly assess and document all damage or directly contact a restoration company to help with this task.
This includes taking detailed photos and videos, and creating an itemized inventory of salvageable items, damaged or lost items, including their age and value.
This documentation is critical and essential for insurance claims.
Tenants should document their personal belongings and any damage to their unit, gathering receipts if possible.
Insurance Notification & Claims Owners should notify their individual condo insurance (HO-6) provider immediately regarding damage to their unit and personal belongings.
The property manager or HOA/COA board should promptly notify the association's master insurance policy provider of damage to common areas and the building structure.
An insurance adjuster will be sent to inspect the damage and determine the claim's value.
Disputes can arise between individual homeowner policies and the HOA/COA master policy, especially regarding shared walls or the origin of the fire.
Therefore, legal counsel or a public adjuster may be needed to navigate these complexities.
Temporary Housing Tenants and owners who are displaced will need temporary housing. Insurance policies may cover additional living expenses. An experienced restoration company can help guide and offer insights to help tenants and owners in that matter.
Property managers may assist in finding suitable accommodations and communicate with tenants regarding their right to return.
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