Utilizing a public adjuster to file a property claim for a Homeowners Association (HOA) is one of the most effective ways to protect both the association and its members. HOA claims are rarely simple; they often involve multiple buildings, shared amenities, and damages that affect dozens or even hundreds of residents. Insurance companies may attempt to reduce payouts by categorizing damage as the responsibility of individual unit owners or by downplaying common area repairs. A public adjuster thoroughly reviews the association’s policy to confirm coverage, conducts a detailed inspection to document all damages, and ensures every affected area is included in the claim — from roofing and siding to landscaping, clubhouses, and other community structures. By managing the claim comprehensively, we help the HOA avoid internal disputes and secure the funds needed to restore the community to its pre-loss condition.