The Property Manager and CMCA®'s Guide to Townhome & HOA Property Insurance Claims

Disclaimer: This article reflects our experience managing hundreds of Minnesota property claims and is for informational purposes only. It does not constitute legal or claims advice. Every claim is unique and requires individual evaluation.

You're juggling multiple properties, endless maintenance requests, and community associations' needs. Then disaster strikes - water damage, fire, or storm destruction. Suddenly you're drowning in insurance paperwork while trying to keep your properties running smoothly. In this guide, you'll learn why property managers and townhome and homeowners associations across Minnesota trust Parker Public Adjusting with their most complex claims.

The Hidden Costs of Property Claims

Every property manager knows that moment: A major loss hits, and your workload doubles overnight. Between coordinating contractors, documenting damage, and dealing with insurance adjusters, your regular property management duties suffer. In our experience, many property managers aren't aware of how policy provisions might affect their properties differently, from building to building, or carrier to carrier.

Think about your last complex claim:

• Were you aware that some policies have different deductibles for different types of losses?

• Did you know that property policies have more than one claim deadline (or that there were deadlines at all)?

• Have you encountered functional damage requirements or matching restrictions?

• How many hours did maintenance staff spend documenting damage?

• Were you confident all damage was properly covered under the policy?

• Could you focus on your other properties?

• Did tenant satisfaction suffer during the process?

Why Waiting Costs Your Clients

In our experience managing hundreds of Minnesota property claims, we've seen how "we'll wait and see" or "we'll call again and see if they change their mind" approaches often backfire, especially with large losses like HOA and townhome claims. Many property managers don't realize that master policies typically have much shorter deadlines than standard homeowners policies - sometimes as short as 180 days to complete repairs or a year to file suit.

Claim deadlines and policy coverages are often missed, or misinterpreted, by property managers, contractors, and even agents or brokers, which can result in full or partial claim denials.

The True Cost of Delay:

• Master policy deadlines may expire before the Board or property manager even realize there's a problem

• Late reporting can result in complete claim denial, and some loss types like hail have 180-day reporting requirements

• "Patch and pray" approaches often lead to more expensive repairs later, that drain association reserves

• Initial damage can worsen, leading to secondary damage that might not be covered

• Documentation becomes more challenging as time passes

• Contractor and material availability and pricing may change significantly

• Policy deadlines don't pause for "wait and see" approaches

Protecting Your Time and Leaning on Claim Expertise

Your CMCA® certification prepared you for property management excellence; not insurance claim complexities. Professional claim management from an experienced public adjuster means:

• You stay informed without being confused by claim details

• Professional roles are clarified, and fully coordinated by us

• Your time remains focused on property operations

• Community associations see swift, coordinated response, not guesses

• Board members get clear, consistent updates

• All damage gets properly documented and claimed

• Policy provisions are properly interpreted and applied

The Minnesota Difference

Our state's unique challenges demand specialized knowledge. From understanding where commercial and residential building codes overlap, to navigating unit owner vs. master policy conundrums, local expertise matters in claim resolution.

Want to Learn More? Parker Public Adjusting helps Minnesota property managers and CMCA®s protect their time and properties through professional claim management. Reach out confidentially to discuss how our claim expertise can support your property operations.

Our founder Sarah Parker also provides lunch and learn presentations for CMCA® groups and property management associations, sharing insights from hundreds of Minnesota property claims. CE accreditation may be available for select presentations. Please contact in advance to discuss and arrange.

Contact us to explore how professional claim management can streamline your property operations and strengthen your client relationships.