Illinois law establishes clear guidelines for condominium property claims. Associations must carry property coverage for common elements and units, and insurers must handle claims fairly without misrepresenting policy terms or delaying their processing. The legal professionals with Vargas Gonzalez Delombard Attorneys at Law guide condo associations through disputes involving insurance payments, from the initial notice to final resolution. When you need an Illinois condo association lawyer to handle coverage disputes or a denied claim, we will develop a strategy, coordinate evidence, and press for payment that matches the damage. We're standing by to tell you more about how we can help.
Claims, Compensation, And What You Can Do When Coverage Is Disputed
Illinois experiences significant property loss activity each year. The Illinois Department of Insurance recorded 2,426 homeowner complaints and 6,526 total property and casualty complaints in 2023, underscoring the frequency of claims that become disputes.
Compensation that condo associations pursue often includes the following:
- Repairs to roofs, façades, elevators, boilers, garages, and common interiors.
- Code-upgrade costs.
- Debris removal.
- Extra expenses incurred for maintaining the property's usability during restoration.
When your carrier pushes back, move methodically. Collect photos, videos, and board minutes documenting the event, and request a detailed written coverage position. You should also preserve contractor estimates and file a complaint with the Illinois Department of Insurance.
