CONDOMINIUM ASSOCIATION
INSURANCE ADJUSTING
Condominium and Homeowner Association claims present a challenge unlike any other loss adjusting process.
The ever-changing laws that the insurance contract must comply with, as well as the communal living arrangement where unit owners live side-by-side and in some cases connected units with others living on top of each other, are issues that compound the problems beyond the actual loss and damages calculations.
When these communities are damaged, it appears that each owner has an opinion about the repairs, the cost, and, of course, they all want their unit to be repaired as quickly as possible. Following a major property loss, the owners are reminded or pointed to the governing documents, which normally lay out who will work on the process and how it should function in order to repair the insured property.
Condominium Associations may have different ownership rights, property insurance issues, and requirements than Homeowners Associations, depending on the state where they are located. In Florida, for example, a condo association is typically divided into the master association’s property and the unit owner’s property, with the law determining who is liable for the two properties’ insurance and repairs.
Unfortunately, there have been various rewrites of Florida statutes over the years that have sought to clarify who is responsible for insuring the master property and making repairs vs the unit owners. Given all of these developments, interpreting the statutes is not straightforward, and we frequently come into disagreements as insurance companies and their adjusters continue to apply their own interpretations in ways that benefit them over policyholders.
Recognized as an authority in the community association industry, Recovery Insurance Adjusters has the expertise and experience to help you achieve the most favorable outcome possible. Our team of public adjusters, led by Mr. Connelly, provides clients with only the highest level of professionalism and excellence – whether you’re dealing with a claim that stems from hurricane damage, water damage, theft, fire, mold, roof leak, or any other type of calamity, our singular goal is to ensure your interests are always protected.
As experienced public adjusters, we understand the claims process and have all of the resources to assist with your claim. Our understanding of condominium insurance policies, claims processes, and field experience have earned us a solid reputation in the industry.
We take satisfaction in securing the highest possible claim settlement within your policy’s provisions, so you can get paid and go back to work as soon as possible.
Priscilla Vega with RIA Adjusters is a very fair and honest adjuster. In our time of need, she did not take advantage of us and gave us accurate advice on how to recover for our flood damages. She continued to support us the entire time and made the process as easy as it could be when faced with a FEMA emergency. She is extremely knowledgeable and at the same time compassionate. It’s so important to be able to trust someone after major hurricane damage. Would highly recommend in any emergency situation.
Dessa Willson
18:15 02 Oct 24
I would like to personally thank Priscilla Vega with Recovery Insurance Adjusters. She was very thorough, knowledgeable and helped with every question I had regarding my insurance claim. Very professional and brought my Claim to a quick conclusion. You won't be disappointed hiring them!
Connie
22:38 26 Sep 24
I work for contractor working on billing and I have to say, Priscilla has been GREAT to work with. When I see her listed as the adjuster on a claim that I will be working on, I know that I will have no issues with communication and know that I won't be left wondering what's happening to the claim. I am sure the other adjusters are good but just have only worked with Priscilla. Always super friendly on the phone too!
Michelle Gagnier
01:29 07 Sep 24
I would like to thank Priscilla Vega with Recovery Insurance Adjusters for their expert help with my insurance claim, they are true professionals, I have never had a claim in the many years we have owned a home, it’s scary to try and navigate the insurance field, not with Recovery Insurance Adjusters and Priscilla by your side. Thanks guys
Jane Rowley
14:58 15 Aug 24
Priscilla is amazing!She’s very knowledgeable of the whole claims process and will explain your rights to you as a home owner when it comes to dealing with your homeowner’s insurance. She does her best to get help get you the settlement that you deserve. I would definitely recommend R.A. to anyone!
Ashley Lee
13:31 10 Jun 24
As a result of damage from Hurricane Ian and a bankrupted insurance company, we hired Daniel Sifrar of RIA. Mr. Sifrar competently and effectively represented us and resulted in a fair and reasonable settlement. He was helpful, responsive, and easy to work with. We are very thankful for his efforts on our behalf.
Bill craine
13:29 30 May 24
My experience with Recovery Insurance Adjusters was a very positive experience. Being my first claim I had no idea of the process, after speaking with Daniel Sifir I was more comfortable with the process. He was professional and informative and patient answering all my questions and giving informative valuable information need to go forward with the claim.I was pleased with the outcome and would recommend using his services again. I would not advise anyone to place a claim without an adjuster.
Carol Sinclair
19:40 22 Apr 24
I got to work with Priscilla Vega. She is very knowledgeable, proactive and caring. Very hard to come across people that take pride in their work!I highly recommend! You will get top $$$ from your insurance. She will make sure of that!
Luiza Torres
01:42 29 Feb 24
Pricilla Vega and Recovery Insurance Adjusters provided exceptional service in negotiating my insurance claim. She exhibited utmost professionalism, expertise, and dedication in securing a favorable outcome for me. I highly recommend RIA and Pricilla for their outstanding ability to champion their clients' interests and deliver exceptional results.
Denise T
13:51 10 Jan 24
Priscilla with RIA is a pleasure to work with and very knowledgeable about all things to do with insurance. Even after she studied my policy and agreed with the insurance assessment, she continued to answer my questions and communicate with me over email in a quick and timely fashion so as to help me make any necessary changes on my policy without any financial benefit to her. She communicated effectively and took no delay in visiting my property even after she felt I had no claim. I highly recommend her to anyone looking for an insurance adjuster.
Susan Welch
19:15 22 Nov 23
If you need an insurance adjuster to help you resolve your issues, I highly recommend you try this company first and, if possible, request Irene Villa, you will not be disappointed. This is a woman who believes in justice for all and will take whatever measures she deems necessary to satisfy her clients. She is honest, professional, above average intelligence and will fight to get you what you deserve. She's a true go getter, full of energy and a solid knowledge of insurance and won't quit until you win and are satisfied. I speak from my experiences with her resolving my issues to my complete satisfaction! This company and Irene are true 5 star & it doesn't get better than Irene and Recovery Insurance Adjusters!
Alice Zawadski (Allie)
18:40 05 Sep 23
Daniel and team were awesome from start to finish. Daniel worked hard for me, kept me updated, followed through and gave great advice throughout. Would have been a disaster if I tried this claim without RIA. Would recommend 1000%.
robert gresham
10:39 11 Aug 23
Daniel was such a great help and so easy to communicate with. From start to finish he did a wonderful job. I would definitely recommend Recovery Insurance Adjusters to everyone.
sasha gray
22:16 06 Aug 23
I am extremely impressed with the exceptional service provided by our recovery insurance adjuster Mr. Daniel Sifrar throughout our process. He went above and beyond to assist us every step of the way. His expertise, dedication, and prompt responses made the entire experience seamless and stress-free even when dealing with an unprofessional roofing company in between. I highly recommend his services to anyone seeking reliable and proactive support during their recovery journey. Thank you for your outstanding efforts Mr. Daniel!
Flavio Figuereo
01:56 31 Jul 23
I highly recommend Joe Connelly and Daniel Sifrar from Recovery Insurance Adjusters for all of your needs. From start to finish the team was engaged and worked with us to professionally navigate the insurance claim process. The results were incredible and their team managed every item that required attention to achieve the end result. There is no doubt we would not have been able to obtain the great results we have without their knowledge and guidance
Frank Fonda
11:31 29 Jul 23
Daniel and his team did a remarkable job getting my wife and I the correct coverage we had (per insurance contract) for hail damage to our roof. Initially the insurance company tried to only cover a small portion of the damage caused by the natural disaster until RIA and Daniel got involved! We ended up getting a fair shake and only had to pay for the deductible and associated fees on our roof replacement per RIA’s assistance. Definitely 5 stars for this team!!! Thanks a bunch!!!Shawn and Veronica Hardman
Shawn Hardman
22:52 28 Jul 23
After getting almost burned by St. John’s, RIA stepped in and helped make it right all the way around. I recovered more money than I thought I would plus found something with the ceiling that I would have been second guessing until the next disaster.The work was fast, thorough and well worth any added expense. I’m very pleased with the quality of the work and if, God forbid, I needed their services again, I wouldn’t hesitate to call on them.
CARL B
19:38 28 Jul 23
Recovery Insurance Adjusters worked with us on our roofing issue and helped us to successfully resolve the entire process with the insurance company. We are very happy!!!!
Rockfort Trust LLC
14:30 25 Jul 23
Priscilla is extremely knowledgeable and gives clear, actionable recommendations that have helped me with my insurance claim from Hurricane Ian. I'd strongly recommend her to anyone who has a claim with their homeowners policy, especially a complex one involving a hurricane, etc.
Fritz French
15:10 05 Jul 23
Irene Villa was our RIA adjuster for a slab leak that we had on our property. From the very beginning, she completely took over all of our worries and with her “can do” attitude, we knew we were in good hands. Irene grabbed the reins with all of the paperwork, language that I didn’t understand and notarized everything that the insurance company required. We literally gave everything to Irene, all emails and correspondence and we got a really wonderful recovery. We never would have done so well and put back together like we are now. Cannot recommend Irene Villa highly enough… you will not be disappointed!
Ellen Duffy
15:57 07 Mar 23
If you are in need of a public adjuster ask for Irene at RIA. She is so easy to work with, and will fight for you to the end. She will make your terrible situation more bearable. Anytime I didn’t understand something she would personally come to my house to explain. She is such a hard worker, kind, caring and sympathetic to all your needs. Call Irene you won’t be sorry!!
Barbara Warsager
23:48 23 Feb 23
After reaching out to Joe Connelly regarding our claim for Hurricane Ian damage, he would not even talk to me. I live in a Condominium and have been without my home for almost 5 months. You would think that he would have a heart! He stated that he would only speak with board members regarding questions about the claim. The communication with our new board has been scarce as to updated information. Joe's required "letter of representation" was untimely, according to the claims service representative, which consequently held things up. He gave out misleading information about material costs during our association meeting regarding the insurance claim. The information that Joe gave us, during the lengthy zoom meeting, was to recite the policy coverages which we had been given weeks before as if we couldn't read it ourselves. Nothing he said was positive just somewhat of a scare tactic. Obviously, Joe has proven to be unprofessional to me. Best advice is to look elsewhere for friendly, caring and informative service when hiring a public adjuster.
Cindy Burdette
15:06 17 Feb 23
Working with Irene from Recovery Insurance Adjusters was an absolute pleasure. Not only did she advocate for me with kindness and expertise during my time of need when I was getting nowhere with my insurance company, but most importantly she secured the funds I needed to repair my home after the devastating hurricane damage impacted my roof and fence. Her knowledge and attention to detail are truly impressive - her diligence in researching what I was entitled to in reimbursements produced a much larger sum than I could have ever expected. Not only that, but she made sure I had the funds quickly, as if this emergency wasn't trying enough already! I have already recommended her services to many friends, and if you need help dealing with insurance companies or looking to maximize your reimbursements when it comes to damaged home repairs, Irene is who you want on your team.#recoveryinsuranceadjusters #homesecurity
Lisa Geng
01:16 17 Feb 23
I’m so grateful to my friend who said, “call RIA” and happy that I met Irene who is very knowledgeable and helped me through this whole process. She was always available and supportive! I will certainly recommend RIA and Irene to anyone who needs this service.
Helen LoCascio
20:34 26 Oct 22
I just finished closing a claim with Irene and she was the best! She works hard to get you the money you need for repairs and is in constant communication during the process. Best decision I made by calling her. Highly recommend!
Rick Bailey
18:37 26 Oct 22
We had the pleasure of working with Irene from Recovery Insurance Adjusters and she was fantastic! She was so knowledgeable and guided us each step of the way. She went above and beyond and answered all of our questions and gave great advice. I will definitely be referring RIA to anyone that needs it!
Kristy Thomason
14:24 24 Sep 22
Had water damage in my home. Called my insurance company and they led me to believe I was covered for the damage and sent a remediation team over. Later I received a large bill from the remediation company and my insurance company denied the claim. I contacted RIA (Priscilla) and she came immediately, took charge of things, contacted the insurance company and also a law firm and sent teams over to access and repair the damage, all the while documenting everything. I was out of the loop and Priscilla handled everything. The insurance company then made a reasonable offer for damages and we settled. I later had a leak from a faulty water heater and I called Priscilla immediately who took charge, contacting the insurance company, taking photos and getting the remediation done. I did not deal with the insurance company once and Priscilla settled the claim in a timely matter. I can't say enough about RIA and Priscilla and recommend them highly.
B Lippman
00:07 21 Sep 22
Thanks toIrene for herexperience in helping us recovering our claim in a timely manner. She was very professional in communicating all information to us. We would not hesitateto refer a friend to her.Irene thanks again for your help.Rose and Ernest.
roseline shaw
20:12 19 Sep 22
After getting nowhere with our insurance company we hired RIA to assist us and the representative was very helpful with making us understand what the insurance company was doing. Priscilla Vega worked very hard to negotiate and to come to a mutual understanding with the insurance company who were dragging their feet. I highly recommend this company.
Wayne Donaldson
19:10 29 Aug 22
After getting nowhere with our insurance company we hired RIA to assist us and the representative was very helpful with making us understand what the insurance company was doing. Priscilla Vega worked very hard to negotiate and to come to a mutual understanding with the insurance company who were dragging their feet. I highly recommend this company.
Wayne Donaldson
14:58 29 Aug 22
Hands down the smoothest and stress free part of this disaster. Irene was so friendly always available responding to messages nights weekends anytime. Highly recommend if you are struggling with an insurance claim reach out and ask for Irene.
andrew opila
13:42 26 Jul 22
Priscilla Vega from Recovery Insurance Adjusters did a phenomenal job handling my claim. She was very knowledgeable and always available to answer any and all questions. I highly recommend.
Jesus Gracia
22:32 26 Jun 22
Priscilla and her team are knowledgeable, thorough and persistent. I give them 5 stars.
kenneth rickson
15:34 22 Jun 22
Great company and staff. Special thanks to pricila our private adjuster she was great from the start to the end she fought to the end I totally recommend to anyone. Blessings
Robbin Ramos
14:03 20 Jun 22
I was referred to RIA and Joe to get an accurate number for repairs to submit to my insurance company that had shorted us an unreasonable amount for hurricane damages. He was extremely professional and down to the detail in his documentation. It provided us really good footing when we eventually went to litigation with the insurance company.He helped represent us in our first meeting with the insurance company before we had to hire a lawyer to go further due to the insurance company's no-show and refusal to award money. Joe always made sure we were in the know of what was going on and what was going to happen.I'd be remiss if I didn't mention Cathleen. Cathleen always called to check up on us during this 2 year process and to update us on what was going on. Always friendly and always caring.Our whole experience with RIA was amazing, especially when you are feeling distraught about damages to your home. I would gladly use their services again should I incur storm damages I need to refute in the future.
Jason Mazzota
16:14 08 Jun 22
Priscilla was our PA and she made every step.of the process simple and seamless. We only ever had to sign papers and return them to her, and we never once had to fight with or make.phone calls to our insurance. I don't know what we would have done without Priscilla handling our claim and being our advocate.10/10 would recommend working with Priscilla if you have an insurance claim that you need help handling!
Kimberle Williams
15:43 08 Jun 22
RIA is certainly the expert in helping you recover from insured damages. We made the right move, getting their input up front and engaging them on damages to my elderly parents home. They provided excellent input, stayed engaged and provided crucial advice right up to the end. Thank you Joe, Irene and the RIA team!
Patrick LaConte
20:20 26 Apr 22
I highly recommend Joe Connelly and his team. They were very thorough and a pleasure to work with. We would have been stiffed by our insurance company without Joe's support. Thanks Joe!!
Jason Hoffman
16:38 20 Apr 22
We are very grateful and most thankful for the experience and outcome Recovery Insurance Adjusters provided our family with our roof claim. Irene Villa of RIA walked us through every step of this process. She was both honest and direct; being a true advocate for the homeowner. I would highly recommend Recovery Insurance Adjusters. They truly work hard for their clients and make it their goal to provide them the proper outcome and resolution.
Katie Norris
20:22 16 Mar 22
Irene was wonderful to work with! She knew exactly what needed to be done and did everything in a timely manner.
Debi Conley
02:47 23 Feb 22
I highly recommend RIA for ANYONE that is seeking an insurance adjuster that is detail oriented and professional. Joe and his team were very thorough and therefore were successful in a recovery for our new roof. There were so many details I would have left out had it not been for RIA. Joe knows!
Robert Villano
23:21 15 Dec 20
I highly recommend Joe Connelly and his team. Without their help, we never would have gotten our new roof. Our Insurance Company acknowledged the storm damage and then tried to say the damage was less than our deductible. We called Joe, and with his expertise and help, we were able to get a complete new roof, including skylights and gutters. I always recommend RIA to everyone I know.
michelle golinski
22:15 29 May 20
Joe Connelly from Recovery Insurance Adjusters and his assistant Cathleen Owen were extremely helpful and successful in obtaining monies from our insurance company to replace our roof after receiving damage from Hurricane Irma. It was a long process but that was because our Insurance Company was uncooperative. I would recommend this company and have already done so.
Kathy Erickson
18:40 19 May 20
After returning from our vacation and finding that our master bedroom, master bathroom and pool side bathroom had been flooded because of a failed pipe valve, We called Recovery Insurance Adjusters. They took it from there and contacted our insurance company and negotiated with them on our behalf. The process was smooth and the recovery was smooth and the claim paid without any help from us. Thank you Joe Connelly and Recovery Insurance adjusters!
Philip Picco
14:34 12 May 20
THE EXPERIENCE WAS WHAT YOU WOULD EXPECT. JOE AND CATHLEEN WERE EXCEPTIONAL AND WONDERFUL TO WORK WITH. THEY WORKED OVER A YEAR AND A HALF AND THIER KNOWLEDGEABLE WAS INCREDIBLE . MY CLAIM WAS DENIED AND I HAD NO IDEA HOW TO TAKE ON THE INSURANCE COMPANY. THE AWARD WAS 3 X WHAT THE INSURANCE COMPANY COULD HAVE PAID IF THEY SETTLED WITH ME IN THE BEGINNING . CATHLEEN LIKES RED WINE
James Zandlo
13:46 08 May 20
On NYE I found a leak in my kitchen that had been ongoing, I did some research and called RIA the next day. Irene came out 1/2 and did an assessment and took care of literally EVERYTHING. She called in a mold remediation company and dealt with our insurance company for our claim. We gave her receipts and kept in contact and she did as well. The entire process was made so easy because of RIA. THANK YOU SO MUCH!!
Katelyn Williams
21:13 23 Apr 20
In the end the insurance company paid the full loss and Recovery was consistent in emphasizing patience. Claim was from Hurricane Irma - so patience was key. Lesson learned that if you want to fight with the insurance company better to have someone like Recovery leading your change.
Mike Moran
12:27 15 Mar 20
Joe did an assessment of our storm damage and represented us threw this process. Always informed us throughout his negotiation from assessmentof damages to the use of appraisal and umpire. Joe did a superb job and never backed down. Thank You Joe,Bob & Fran Federico
Bob & Fran Federico
23:01 21 Feb 20
I would highly recommend Joe and RIA, who represented my Irma related insurance case very effectively. There is no way I could have represented myself and achieved anywhere close to the result that Joe and RIA were able to. Joe understands the details of insurance contracts, the state laws and the ins and outs of the whole adjustment process extremely well. I found communication to be clear and very straightforward, particularly when we reached points where I had a decision to make about which way to proceed. At the same time, I felt Joe was very honest and professional with the insurance carrier, adjusters and other representatives so that we could reach both a good and a fair outcome for both parties.
Michael Jacobs
19:31 06 Jan 20
I was referred to Irene Villa as we were having some problems with an Insurance Claim. Irene was incredibly helpful and knowledgeable about the current state of the insurance industry in general. She gave me several ideas without taking our case. I was amazed how helpful she was without any company or personal gain. Thank you.
Julie Louden
21:20 12 Nov 19
Recovery Insurance Adjusters did an outstanding job handling our claim. We had never used a public adjuster before, but we now know the value of their services. Joe, Cathleen, and Irene were a pleasure to work with and our successful outcome is the result of their expertise, determination and professional representation. We highly recommend RIA - they are truly the best!
pamela heeb
00:02 10 Sep 19
RIA has an incredibly detail oriented and professional staff. Joe and Irene handled our slab leak claim from the start to the very end, and were able to negotiate an amount above our expectations. Irene was always accessible and returned calls in hours, not days. Do not attempt to handle a claim on your own, use these experts to advocate for your best interests.
Patrick Dayan
17:41 06 Aug 19
We asked Joe Connelly of Recovery Insurance Adjusters to help us out after Irma. We knew we had damage as a tree hit our home. Joe Connelly handled EVERYTHING. He inspected the damage done to our home himself spending hours doing so. He met with the insurance adjusters at our home pointing out damage that Irma had caused that the Insurance Company's adjuster never thought of addressing. Joe made all the phone calls to the insurance company. He was our representative to the insurance company and essentially lifted the chore of dealing with the insurance company off our shoulders. The bottom line is Joe was able to negotiate a fair settlement that was more than twice what the insurance company offered initially and well worth his small fee.I would strongly recommend Joe Connelly and Recovery Insurance Adjusters.
Pete Lashenka
12:29 16 Mar 18
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Contact Info
Recovery Insurance Adjusters
Stuart, Florida
4365 SW Thicket Court
Palm City, FL 34990
772-237-0892 / 239-877-1305
Port St Lucie, Florida
772-237-0892 / 239-877-1305
Melbourne, Florida
772-237-0892 / 239-877-1305
Vero Beach, Florida
772-237-0892 / 239-877-1305
Maine
400 Congress Street
Suite 300 Portland, Maine 04101
207 823-4113
Joseph P. Connelly
MAINE: Lic #ADN147954
FLORIDA: Lic #E157037
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THIS IS A SOLICITATION FOR BUSINESS. IF YOU HAVE HAD A CLAIM FOR AN INSURED PROPERTY LOSS OR DAMAGAE AND YOU ARE SATISFIED WITH THE PAYMENT BY YOUR INSURER, YOU MAY DISGREGARD THIS ADVERTISEMENT.
THE CONSUMER IS RESPONSIBLE FOR PAYMENT OF ANY INSURANCE DEDUCTIBLE. IT IS INSURANCE FRAUD PUNISHABLE AS A FELONY OF THE THIRD DEGREE FOR A CONTRACTOR TO KNOWINGLY OR WILLFULLY, AND WITH INTENT TO INJURE, DEFRAUD, OR DECEIVE, PAY, WAIVE, OR REBATE ALL OR PART OF AN INSURANCE DEDUCTIBLE APPLICABLE TO PAYMENT TO THE CONTRACTOR FOR REPAIRS TO A PROPERTY COVERED BY A PROPERTY INSURANCE POLICY; AND IT IS INSURANCE FRAUD PUNISHABLE AS A FELONY OF THE THIRD DEGREE TO INTENTIONALLY FILE AN INSURANCE CLAIM CONTAINING ANY FALSE, INCOMPLETE, OR MISLEADING INFORMATION.