Condominium & Homeowner Associations
When a property loss affects your community, your first concern is often protecting the safety and well-being of your residents, preserving common areas, and restoring normalcy—not navigating the complex and time-consuming process of managing an insurance claim. That’s where we come in. While you focus on board decisions, resident communication, and community operations, our team of experts—including licensed public adjusters, forensic accountants, building estimators, and contents specialists—takes on the heavy lifting of your insurance claim. We have extensive experience working closely with association boards and property management firms to maximize recovery and expedite repairs, so your community can move forward with minimal disruption.
Why Choose Us?
Since 1941, our team of expert loss consultants has helped condominium boards, HOA leaders, and property management professionals navigate the challenges of insured property losses. Whether your association oversees mid-rise buildings, townhomes, garden-style units, or single-family communities, we manage the entire claims process—from loss measurement and documentation and scope of repair development to policy analysis and negotiation—ensuring you receive fair and timely settlements. With GGG/AI by your side, you can focus on what matters most: protecting your residents, maintaining your property, and upholding your fiduciary responsibilities to the community.
What We Do
Thorough Evaluation: As insurance professionals, we understand all areas of your policy, including coverage limitations, restrictions, coinsurance requirements, law and ordinance provisions, policy time-deadlines, etc.
With You the Whole Way: We meet with you often to discuss your business operations and create the right claims strategy to fit your immediate needs and long-term goals. Our experts stay in constant communication with you and the insurance company as we execute a plan that achieves your priorities. We will inspect and document the damaged property thoroughly.
Securing Equitable Settlements: We advocate for a swift and fair settlement from your property insurer to protect your interests and maximize your recovery.
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In the aftermath of significant property damage, you're left wondering about the best course of action to accelerate your recovery.
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You contact your insurance company, anticipating that they will promptly send out an adjuster and provide the coverage you have paid for. However, your claim will impact your insurer's financials – will their adjuster look out for your best interests?
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This dynamic reveals the delicate balance between your needs and the financial intricacies of the insurance industry. Navigating this landscape effectively is crucial to ensure appropriate recovery, in accordance with the coverage you have paid for.
We Can Help
Understanding the "fine print" of your insurance policy before engaging in substantive discussions with your property insurer is essential. How the claim is presented and how the coverage is utilized can make a dramatic difference in your recovery amount. Our in-depth analysis of the policy, and expert guidance, built upon over 80+ years of experience in the insurance claims industry, is invaluable to your full recovery.
Key Considerations for Your Insurance Claim Process
- After a property damage loss, what are the duties and responsibilities of the board, association, and/or property manager?
- How does your master policy differentiate between coverage for common elements versus individual units?
- Are unit owner upgrades or improvements and betterments covered under the HOA policy or individual homeowner policies?
- How has the damage impacted common areas and shared amenities (clubhouse, pool, lobby, hallways, elevators, roofs, garages, etc.)?
- What is the cost of temporary relocation or alternative accommodations if units are uninhabitable?
- Does the policy provide coverage for emergency services such as temporary fencing, debris removal, or water extraction?
- Are there additional expenses for security or backup power during restoration?
- Does your policy require code upgrades for fire suppression, sprinklers, electrical systems, or ADA compliance?
- Are the landscaping, fencing, signage, or walkways covered?
- Are management fees or property manager consulting costs recoverable under the policy?
- Is the deductible shared by all homeowners or specific to the impacted units?
- Do your governing documents or bylaws affect how insurance funds can be used or distributed?
- What happens if there are conflicts between your insurance policy and your declarations, bylaws, or CC&Rs?
- Is business income or loss of assessment income covered (e.g., lost rental or dues revenue)?
- How will the board and property manager(s) communicate with unit owners and renters about the claim process, expectations, and coverage limitations?
- Does your policy cover costs associated with asbestos, mold, or other environmental hazards?
- Are there exclusions or limitations for certain perils (e.g., flood, earthquake, windstorm, or sewer backup)?
- Will expedited construction or overtime labor for faster repairs be reimbursed?
- Are architectural or engineering fees for rebuilding covered?
- Does your policy contain a proof of loss or reporting deadline?
The Difference We Make
GGG/AI works exclusively for YOU, the policyholder, not for the insurance company. Our insurance professionals have managed and negotiated thousands of claims after every type of property damage disaster. With offices across the US and an unmatched network of expert resources, we swiftly and equitably navigate the claims process towards successful resolution.
Client Success Stories
…Your firm’s help with multiple flood claims at the Adagio Condominium has been key in getting our Unit Owners back in their homes in short order. Looking back on your response time as I write this letter it occurs to… Read More about Greg Fernebok
Greg Fernebok
The Adagio Condominium
…[Your] professionalism, diligence, and commitment enabled the Condo to successfully secure the funds required to restore the building, as well as cover lost common charge income. We hope we don’t ever need the services… Read More about Kathryn M. Quiqley
Kathryn M. Quiqley
Alexander Condominium
…After roads were cleared and the island reopened, we surveyed our damages and held an emergency HOA meeting and learned that a large resort property next door had employed GGG and encouraged us to do the same. Some… Read More about Donna Rumsey
Donna Rumsey
Atlantic Ocean Town Homes Association
…The hurricane damage to our condo complex resulted in the largest claim in Chatham County, GA, with all buildings and common grounds sustaining damage. Our job together to secure insurance claims while repairing the… Read More about Jack McKlveen
Jack McKlveen
Beachside Colony Condo Association
…I wish to applaud and commend Goodman-Gable-Gould on a job well done with their help in resolving a long standing matter against our previous wind claim carrier. Your tenacity and willingness to educate and work with… Read More about Pavel Moreff
Pavel Moreff
Brightwater Towers Condominium
…After your initial inspection of the property, the buildings and the claim file you got right to work. You were easy to reach, always responsive, never curt and always professional. It was a pleasure working with you… Read More about Fran Belfor
Fran Belfor
Horizon House Cooperative Apartments
…As we were dealing with insurers that did not want to pay the claim as we expected, [you were] our advocate in pleading our case, and eventually, after battling for every payment, we received payment for the full… Read More about Louise Terry
Louise Terry
Southwinds at the Moorings
…When hurricane Sandy hit Ocean One Condominiums was a new building with its first board of managers. At the suggestion of our insurance broker we hired Goodman-Gable-Gould. Our claim was settled within a year greatly… Read More about Allen Markowitz
Allen Markowitz
Ocean One Condominiums
Client References
As licensed public adjusters, we work exclusively for you to ensure that you secure a fair settlement from your property insurer after a disaster.