Simple steps to file a condo insurance claim
Condo buildings generally have condo associations that insure the outer structure of the building and the areas that are shared by multiple owners. A condo owner's policy is separate from the condominium owner’s association's insurance. The two policies combined help the customer ensure there is appropriate coverage for that customer’s needs.
The claim process will vary based on the extent of damage, but here’s what to generally expect:
File and track your claim
After you file a condo insurance claim, you’ll get a claim number to track its progress.file a claim
Gather documentation for damage inspection
Be sure to gather information regarding your Condominium Owner’s Association. Collecting materials early will help move the claim along quicker and help with coverage decisions. We will provide assistance as needed once a claim is filed. We’ll also work with you to make sure covered damage is properly assessed.
Your damage estimate and any claim payments are based on the details of your condo insurance policy.
Get your condo repaired
Choose a repair vendor from our Allstate’s Good Hands® Repair Network and we’ll work directly with them throughout the repair process. If you’d prefer, you can also select a contractor outside of our network to handle your repairs.
Receive claim payment
Allstate may pay your claim directly to the contractor or send you money for reimbursement.
When filing a claim for a covered loss, your deductible is the set cost you’ll pay before your policy kicks in. Depending on your personal property policy, you may also have a limit, or a maximum amount that Allstate will pay you to repair or replace whatever is damaged or stolen. Condo insurance may have different deductibles for different coverages. If you suffer two losses at the same time, you may have to pay more than one deductible.
A limit is the amount of coverage you have and the maximum amount your policy will pay for a covered claim. Each coverage in your insurance policy has a limit. To check your limits, refer to your Policy Declarations under the Coverage and Applicable Deductibles or Scheduled Personal Property section.
This depends on the details of your claim, but you can help move the process along by providing all necessary information. Once you’re claims been started, an Allstate representative will give you an idea as to how long the process will take. It’s important to note, having your Condo Owner’s Association material could help to avoid any claim delays.
Your insurance premium may increase due to a claim.
Review your coverages regularly to make sure they meet your needs. You can log into My Account to see all your coverages, limits and deductibles.
It depends. Check your policy to see if you have additional living expense coverage. If you’re unable to stay in your home due to a covered loss, this helps cover related costs such as hotel bills or other increases in your normal living expenses. Get to know your coverage limits.
In some cases, your claim representative can provide you with an estimate without visiting your home. If you do need to make an appointment with a claim adjuster, they can usually give you an estimate once they’ve inspected your home.
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File or track your claim’s progress on My Account.