I have a condo. How does the claims process work when damage involves shared walls or common areas?

Condo claims are genuinely more complicated than single-family home claims because multiple insurance policies may apply: your individual HO-6 policy, the HOA's master policy, and sometimes additional coverage held by other unit owners. Determining which policy covers which damage depends on where the loss originated, what your association's governing documents say, and how each carrier interprets the overlap. We have extensive experience with condo and HOA claims throughout the Philadelphia region and down the shore, and we know how to untangle exactly these situations.