I am a condo owner on Long Beach Island, and it was damaged in a storm. Who pays?

It depends on the specifics, but this is a very common scenario and one we handle regularly along the Jersey Shore. Coastal storm damage often involves both the building exterior (typically covered under the HOA master policy) and interior unit damage (typically covered under your HO-6 policy). The line between them is not always clean, and both carriers will have an interest in assigning responsibility to the other. We represent your interests specifically and make sure all applicable coverage is pursued.