HOA & Condominium Insurance Valuations

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InsuraValue provides precise, underwriter-ready Replacement-Cost Valuations (RCV) and Insurable Value Assessments for condominium associations and homeowners associations throughout South Florida.

All valuations are completed using CoreLogic Commercial Valuation, including the CoreLogic Valuation Detailed Report – Property Express, the reconstruction-cost platform recognized by Citizens Insurance.

We work directly with:

• Condominium associations
   
• Homeowners associations
   
• Property management companies
   
• Insurance brokers
   
• Citizens Insurance reviewers and underwriters
   

Our reports include comprehensive reconstruction cost modeling for:

• Low-rise, mid-rise, and high-rise residential buildings
   
• Townhome communities
   
• Multi-building condominium campuses
   
• Waterfront associations
   

Each valuation includes:

• Structural systems
   
• Roofing and waterproofing
   
• Mechanical, electrical & plumbing systems
   
• Elevators, fire/life safety, and major components
   
• Exterior walls, glazing, and building envelope
   
• Interior finishes required under Florida statute
   
• CoreLogic cost modeling structured for Citizens Insurance
  
   

We include all community buildings and shared structures such as:

• Clubhouses
   
• Fitness centers
   
• Pool houses and recreational structures
   
• Guardhouses and gatehouses
   
• Carports and garages
   
• Mail kiosks
   
• Storage buildings
   

InsuraValue also evaluates all site components that impact insurable value:

• Fencing
   
• Lighting
   
• Sidewalks and hardscape
   
• Paving and parking lots
   
• Retaining walls
   
• Exterior signage
   

Our CoreLogic-based valuations provide the exact reconstruction format that Citizens Insurance underwriters expect, reducing delays during the renewal process.

We provide reconstruction-cost numbers supported by:

• Local South Florida labor & material pricing
   
• Miami-Dade hurricane code requirements
   
• Code-compliant construction standards
   

Our reports are written for:

• Property managers
   
• HOA and condominium boards
   
• Insurance brokers
   
• Citizens Insurance reviewers
   

We routinely handle:

• Large condominium campuses
   
• Multi-structure HOA communities
   
• Waterfront and coastal properties
   
• Age-restricted communities
  
   

• Initial Property Review
  Review of site plans, association details, and building information.
   
• On-Site Assessment
  Exterior and interior review of buildings, amenities, and site improvements.
   
• CoreLogic Reconstruction Modeling
  Replacement cost calculated using CoreLogic Commercial Valuation.
   
• Final Report Delivery
  Includes the CoreLogic Valuation Detailed Report – Property Express.
   
• Support During Renewal
  We assist with any follow-up questions from brokers or Citizens underwriters.