Townhome & HOA Claims

Complex Shared Property Claims

Townhome associations and HOAs face unique challenges when property damage affects common areas, shared structures, or multiple units simultaneously. From roof damage affecting multiple townhomes to amenity facilities like clubhouses and pools, these claims require expertise in navigating shared ownership responsibilities and coverage complexities.

As public adjusters who represent community associations exclusively, we ensure your claim receives proper evaluation independent of insurance company interests.

Communities We Serve

We handle comprehensive claim evaluation for townhome associations, condominium associations, HOAs, and planned communities throughout Tennessee, Mississippi, Kentucky, and Indiana dealing with fire damage, water losses, storm damage from tornadoes, hail, wind, and other covered perils.

Your association receives thorough assessment that accounts for common area damage, shared infrastructure, amenity facilities, and the complex ownership structures that make community association claims particularly challenging.

Navigating Shared Responsibilities

You get advocates who understand the intricate relationships between association coverage, individual unit owner policies, and master policies. We work to properly allocate coverage responsibilities, minimize disputes between associations and individual owners, and ensure comprehensive recovery that addresses both common area damage and assessment implications for community members.

Association Fiduciary Duties

Our team recognizes the fiduciary responsibilities associations have to their members and the importance of transparent claim handling. We ensure thorough documentation and professional negotiation that achieves fair settlement while maintaining the accountability and stewardship expected in community association management.

Protect your community association from inadequate claim settlements. Contact Cornerstone today for specialized expertise in HOA and townhome claims that ensures proper coverage allocation and comprehensive resolution for your shared property interests.