Post-Disaster Checklist for Condominium, Homeowner & Coop Communities Impacted By the Storm

 

Resist the urge to contract with these initial offers until you have done the following:

  • Activate Your Disaster Plan - Once residents are safe, the community must begin surveying the property and assessing the damage. A designated information facilitator should set up system of information sharing among local homeowners and a disaster coordinator should serve as liaison to emergency services providers.
  • Secure your community from acts of vandalism and looting.
  • Remove storm debris to prevent accidents from occurring on the property.
  • Secure building structures to mitigate further damage.
  • Determine needs for immediate reconstruction and evaluate financing options including advances from insurance company for financial advances. Beware of any insurance companty offering money in exchange for releases or settlements.
  • Suspend or cancel on going contracts such as lawn or pool maintenance if allowed for in your contract.
  • Review governing documents particularly anything related to "repair after casualty" provisions in the insurance section to establish process for reconstruction.
  • Initiate reconstruction planning using the five phases of reconstruction: project planning/scheduling; construction bidding; contract negotiations; construction/repair/rehabilitation; project completion/close out.
  • Review Insurance policies to determine filing requirements for proof of loss forms.
  • Meet with licensed professionals familiar with your community including: 
    • Architect/engineers to assess damage and prepare plans;
    • Construction managers to oversee selection of general contractor and begin competitive bidding process
    • Attorneys to review insurance policies, governing documents, construction contracts and any vendor agreements; and;
    • Public adjusters who are independent of your insurance company's adjuster who can be helpful with the nuances of an ambiguous insurance policy. Most independent adjusters work for a fee based upon percentage of insurance proceeds. 

The Florida storm damage Attorneys at The Trial Professionals experience includes negotiating insurance settlements, litigating claims, drafting and negotiating reconstruction contracts, and working with local, state and federal emergency management agencies to expedite claims, facilitate negotiations, and secure mutually agreeable settlements. Contact us today to put our team to work for you. 

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