Multi Family Buildings

When dealing with corporate or private ownership, Stone Claims Group understands that intricate loan structures often dictate claim practices and operational guidelines.  Trusted by Risk Managers nationwide due to our macro understanding in adjusting losses for hotels, apartments, senior living, and treatment centers.

Regency Fire Multi Family - On the actual page multi family in place of orange buildiings (1)

Why Hire an Expert Public Adjuster?

Stone Claims Group Private Adjusters Handle your Multi Family Building Claim

Ware House Inspection

We Handle The Headache

Insurnce Check

We Maximize Your Settlement

We get paid when you get paid

We Get Paid When You Get Paid

Group Discussion on the Claims

We Have The Policyholder's Interests In Mind

Type Of Multi-Family Building Damages We Cover

Cast Iron PipesDAMAGE

Collapse & SinkholeDAMAGE

EarthquakeDAMAGE

FireDAMAGE

HailDAMAGE

HurricaneDAMAGE

LightningDAMAGE

Theft & VandalismDAMAGE

WaterDAMAGE

WindDAMAGE

Get the Best Settlement for Your Multi Family Building Claim

Don't Leave any Money on the Table

Agreement
Review On Inspection
Coins

Bring us your claim

Complete a Thorough Inspection & Claims Package

Settle at a Higher Rate

Multi Family Buildings We Have Helped

Please take a moment to review some of our results, and some of the many clients we have helped throughout the years.

Areas We Serve

Licensed And Trusted in 18 States

Florida

112

Hail events

696

Wind events

370

Hurricane & flooding events

57

Tornado events

77

Lightning events

*Source for each damage type comes from NOAA. Year of damage types vary from 2015 - 2020.

What Our Clients Are Saying

Unmatched Expertise at Stone Claims Group

john-smith

“Dealing with Stone Claims Group was one of the most rewarding experiences I’ve had as a board member. Not only did they deliver monetarily in a huge volume for our association, but they also brought an unmatched expertise and professionalism.”

R. Holland, BOD President

Jacksonville, FL

Carolyn Jordan

“I just want to thank you for all you did for owners at Top of the Gulf. As you must have known I was one of the biggest skeptics. Thank you for changing my mind. I admire the way you never let up and continued to come by and tell us why we needed your company. Thank you again for persistence, we would have been in poor shape if everyone was like me.”

C. Jordan Board Member

Florida Panhandle

Multi Family Buildings FAQS

What Is the Difference Between a COA (Condominium Owners Association) and an HOA (Home Owners Association)?

One of the main differences between condominium owner associations (COAs) and homeowner associations (HOAs) is how the association itself administers property development.

Usually, an HOA oversees single-family homes in planned developments, usually made up of individual lots and homes. In contrast, condo associations manage common structures with multiple units, much like apartments and townhomes.

  • When it comes to maintenance and repair issues, this is when things get down to the nitty-gritty. Condominium associations are responsible for all the general common elements (GCEs), such as lobbies, common hallways, sidewalks, roofs, elevators, swimming pools, and parking lots. Since it’s a community-based association, COAs typically outline their services to those in common areas. A unit owner is ordinarily responsible for maintaining their HVAC system; however in the event of an insurable loss the responsibility shifts to the association’s master policy.

For HOAs, they are responsible for maintaining, repairing, and replacing common areas, much like COAs, but with some differences jutted in. Things like sidewalks, green spaces and playgrounds are all under the purview of an HOA, as well as some landscaping of individual lots.

Condo unit owners COA’s,  while allowed to run the condominium, still elect a board of directors to carry out most of the powers of a condo association. This is where something like condo associations insurance is a must-have for those who serve. Options like an umbrella policy, directors and officers liability and crime insurance are available to provide financial coverage in the event of litigation.

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How Does the Public Adjuster Get Paid?

Public adjusters work exclusively for the best interest of the policyholder – not the insurance company. For this reason, we only get paid if you get paid, and the fees for services are generally a small percentage of the insurance settlement.

Most of our past clients have seen such significant success with the increased settlements that the fee becomes inconsequential.

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How Do I Select the Best Public Adjuster?

Experience, expertise, professionalism, integrity, and licensing.

Select a Public Adjuster specializing in the type of peril, type of policy, and type of building damaged. Always ask the Public Adjuster to see a list of references. Any public insurance claim adjuster you choose to work with should have years of experience handling a similar type and size of claim, and should have their own team of dedicated staff – including adjusters, building estimators, experts, contents appraisers, certified public accountants, and attorneys. Large claims require a more prepared Public Adjusting firm, like Stone Claims Group.

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What Are the Benefits of Hiring a Public Adjusting Firm?

A few of the benefits of hiring a Public Adjusting firm include helping a policyholder understand and interpret their policy, resolve the claim faster, ensure fair value for the claim, and protect the policyholder’s rights.

A few of the benefits of hiring a Public Adjusting firm include helping a policyholder understand and interpret their policy, resolve the claim faster, ensure fair value for the claim, and protect the policyholder’s rights. It is not the job, duty, or responsibility of your insurance company to discover the full extent of your loss. That responsibility is the policyholders’. A good public adjuster is essential to determine the fair repair amount of the loss.

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What is The Difference Between a Public Adjuster, a Company Adjuster, and an Independent Adjuster?

Public adjusters work exclusively for the policyholder. A public adjuster’s goal is to help the policyholder/claimant with the insurance claim process’s ins and outs.

Many people think independent adjusters and Public Adjusters are the same things; that is just not true.

Many people think Independent Adjusters and Public Adjusters are the same, which is not true. A public adjuster’s goal is to help the policyholder/claimant with the insurance claim process’s ins and outs. Public Adjusters are experts in reading and understanding insurance policies. Experienced public adjusters will ensure you’re getting the exact amount of compensation you’re owed based on the terms of your insurance policy.

An Independent Adjuster represents the insurance carrier. When you make a claim with your insurance company, it assigns its own adjuster to your claim. Independent adjusters can work for multiple carriers, but can only represent carriers. 

The last type of adjuster is a company adjuster. A company adjuster works directly for one insurance company. They work for the carrier while we work for you.

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