Commercial Condo Association and Units Owners

The Fire, Smoke and Soot causes damage to the property and the result of the water to put out the fire by the fire firefighters causes additional types of damage to the property including but not limited to water, mold/fungi.



Water damage category 1 or 2 or 3- requires different types of remediation- proper protocol is necessary especially with category 3, the most contaminant category of all.


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Whether it is an office condominium, office / Warehouse condominium, medical office condominium, retail condominium, or flex/warehouse condominium we have the experience necessary to adjust your claim. There are contributing factors that make each of these types of insurance unique, but as a whole they provide similar coverage’s for the associations.

Given the recent economic impact experienced by these associations due to the Real Estate Bubble, some of these associations have fallen victims of the current economic challenges. We recognize these circumstances and are prepared to work closely with the board and /or their management team to ensure adequate insurance claim settlements to the association. In some cases the developers are still involved, we will work closely with developers, asset managers, and court appointed receivers to meet the association’s insurance claims needs.

HomeOwner Claims Public Adjusters, value and understand the owner’s / landlord’s position as well as the tenants when property damage occurs to the building. The Landlord has the responsibility to make the necessary repairs to the building as well as making sure that the building damage does not affect the tenants. Subsequent to a loss in the building most likely the tenant(s) is also affected. The tenants can buy business insurance policy to protect their property from a peril insured against. We adjust the Landlord’s Commercial Package Policy (CPP) or Business Owners Policy (BOP) which includes but is not limited to; Property Damage (Building), the Business Personal Property, Debris Removal Coverage, Co-Insurance and Deductibles, Ordinance or Law Coverage, Signs Coverage, as well as the loss of Business Income and/or Extra Expense and the Fair Rental Value while being unoccupied due to the loss. Your Insurance Agent tailors your insurance policy according to your Risk.

These types of policies are very intricate and require attention to detail when adjusting such unique risks. We encourage every policy holder to engage our services due to the complexities of these unique risks. Your time is valuable; filing an insurance claim has many challenges and is not as simple as it should be. This is a job for a professional Public Insurance Adjuster such as HomeOwner Claims Public Adjusters,

Filing an insurance claim is tedious, difficult to understand the insurance policy and forms, is intricate, complex and time consuming. It is a greater challenge when it involves the many tenants that you rent the property to. The Landlord must protect itself, the tenant’s wellbeing and their property. Ask yourself these questions? Can you give up your time? Can you keep records of the loss? Do you know what the insurance policy covers? Can you take the chance to be wrong? Can you afford controversy with the tenant? It’s been proven that an unbiased third party would bring better results to the table. Your claim can be prejudiced if improperly presented. What will you say to the owners or the tenants that rely on you to make the right decision and protect their best interest? Remember that as a Landlord you must protect your Tenant’s interest in your property.

We settle more and quicker insurance claims because of our long standing relationships within the industry proven by our track record of performance in dealing with both the insurance companies, who provide the coverage, and the policyholders “our clients” in which we service. This means that you have a dedicated insurance public adjuster who has worked in all 3 capacities of adjuster since 1979 by your side with the experience, knowledge, we speak insurance language and competency to make sure we settle your claim fairly to restore your property to pre-loss condition or better in the most expedient manner. Read the Office of Program Policy Analysis & Government Accountability report their analysis states when you engage a Public Adjuster the settlement amount is higher by (547% to 747%). We strongly believe that HomeOwner Claims Public Adjusters has earned their reputation and continues to raise the standards of Commercial and Residential properties insurance claim services.