FAQ's

1.) When can I inspect my property after a catastrophe?

Inspection of the property will be at the direction of the Escambia County Emergency Operations Center (EOC).

2.) How will I be notified when I can inspect my property?

Registered property owners and/or representatives will be notified via email and/or telephone of the inspection protocol.

3.) How much time will I have to inspect my property?

The time allowed to inspect the property will be determined by the EOC inspection protocol and the Association Board.

4.) When can I retrieve my personal property?

Once the Catastrophic Response Team has completed the damage inspection and a protocol has been developed by the Association Board for the specific catastrophe a retrieval plan will be determined and communicated.

5.) Who will determine the damages?

Damages will be determined by the Catastrophic Response Team and building experts

6.) When will repairs be started?

Emergency temporary and permanent repairs to secure the building will occur as soon as possible subject to EOC protocol and the Association Board approval.

7.) Is the Association responsible for my unit interiors.

No. The Association insurance generally stops at the interior face of the drywall. The unit owner typically is responsible from the paint into the condominium unit.

8.) How long can this take?

The process is wholly dependent on the extent of the damage incurred, the insurance companies’ response time and type of damages sustained.

9.) What steps has the association taken to mitigate the time it may take for me to get back into my unit?

The Association Board has established relationships with selected vendors. Additionally, the Catastrophic Response Team has inspected the property and each unit pre loss and will inspect the property and each unit post loss for a timely damage assessment. The Board has retained Construction Experts and a Public Adjuster to assist with the insurance claim, a Water Mitigation Team to mitigate water damages, a General Contractor to secure and reconstruct the property, and Banking relationships for interim financing to expedite reconstruction. A member of the Board has been appointed to coordinate these activities.

10.) Will the Association General Contractor repair my condominium unit?

The General Contractor will repair your unit if you choose to have them do so. If you advise the association you want the GC to repair your unit, then the process will be that the association will issue a change order that you approve the price and scope of work. The unit owner will then be obligated to the association for payment.

11.) Will the Association Public Adjuster resolve my insurance claim?

Yes, but you will need to negotiate that work with the Public Adjuster.

12.) How often should I review my Unit Owners Insurance?

Annually review your condominium insurance policy with your agent and revise as needed. Ask your agent to review the special assessment limits and coverage amounts.

13.) How can I prepare ahead of time a Pre-Loss Personal Property Listing?

Prepare an inventory of all personal property on premises listing date purchased, item description, store purchased, and purchase price and photograph all items with general or specific photos. Update as inventory changes or annually and share with your insurance agent.

14.) What should I do to document damages to my personal property post-loss?

Prepare an inventory of all personal property on premises damaged by the catastrophe using the Pre Loss Personal Property Inventory Listing and photograph each item. A Public Adjuster can perform this service for you.

15.) How should I deliver documentation of the damage to my insurance company?

Documentation should be delivered to the insurance company representative via email or certified mail. This will establish a tracking system.

16.) Should I retain a professional to help with my claim?

It is recommended that you obtain the services of a Public Adjuster and a General Contractor to assist with your insurance claim and reconstruction.