Insurance Coverage
Insurance Recovery
Insurance recovery is often a complex, time-consuming, and frustrating process. Policies are rarely written in plain language, and the claims process is riddled with procedural traps and unexpected hurdles. Insurers routinely deny or limit valid claims. Many insureds simply take “no” for an answer, unaware of the nuances in their coverage or the impact of how a claim is presented.
At Barker Martin, we offer policyholders a clear-eyed assessment of their chances of recovery and practical guidance on how and when to submit claims. Having a knowledgeable advocate can mean the difference between full recovery and a denied claim. Our goal is to help clients understand their rights so they can make informed decisions about whether—and how—to pursue coverage.
Focus Areas
We represent condominium and homeowners Associations (HOAs) in a wide range of insurance-related matters, including:
- Property damage claims
- Construction defect claims
- Directors and officers (D&O) claims
- Loss assessment claims
- Liability coverage issues
We understand the unique complexities of HOA claims, including governance issues, the pressure to communicate with owners, and concerns about insurability, renewals, and the proper use of insurance proceeds. Because of our long history working with Associations, we not only interpret policy language but also help boards navigate the broader legal, operational, and community dynamics that often accompany insurance claims.
Individual and commercial property owners face their own unique coverage challenges. These include:
- Insurance for property damage and necessary repairs
- Business interruption claims
- The intersection between owner and tenant policies
- Liability defense and risk transfer issues
As with HOA claims, the way a property owner’s claim is initially presented can significantly impact coverage. We help clients avoid common pitfalls, respond quickly when damage occurs, and chart a clear course forward that maximizes recovery and minimizes exposure. We can also help analyze your existing coverage to determine if there are any weak spots or potentially uncovered liabilities.
We do not handle every type of insurance matter, but if you’re facing a significant liability—whether it’s property damage, a personal claim, or a lawsuit filed against you—we will help you understand your rights. And if we’re not the right firm to assist, we’ll help connect you with someone who is.
The insurance claims process often favors the carrier. Our mission is to level the playing field.
We represent condominium and homeowners Associations (HOAs) in a wide range of insurance-related matters, including:
- Property damage claims
- Construction defect claims
- Directors and officers (D&O) claims
- Loss assessment claims
- Liability coverage issues
We understand the unique complexities of HOA claims, including governance issues, the pressure to communicate with owners, and concerns about insurability, renewals, and the proper use of insurance proceeds. Because of our long history working with Associations, we not only interpret policy language but also help boards navigate the broader legal, operational, and community dynamics that often accompany insurance claims.
Individual and commercial property owners face their own unique coverage challenges. These include:
- Insurance for property damage and necessary repairs
- Business interruption claims
- The intersection between owner and tenant policies
- Liability defense and risk transfer issues
As with HOA claims, the way a property owner’s claim is initially presented can significantly impact coverage. We help clients avoid common pitfalls, respond quickly when damage occurs, and chart a clear course forward that maximizes recovery and minimizes exposure. We can also help analyze your existing coverage to determine if there are any weak spots or potentially uncovered liabilities.
We do not handle every type of insurance matter, but if you’re facing a significant liability—whether it’s property damage, a personal claim, or a lawsuit filed against you—we will help you understand your rights. And if we’re not the right firm to assist, we’ll help connect you with someone who is.
The insurance claims process often favors the carrier. Our mission is to level the playing field.
Specializations
Our approach
Frequently asked questions
- What is insurance recovery for homeowner associations?
Insurance recovery involves helping associations secure coverage and payment under their insurance policies for construction defects, property damage, or other covered losses.
- Why would an HOA need an insurance recovery lawyer?
Insurance policies can be complex, and insurers may deny or underpay claims. An insurance recovery lawyer ensures your association’s rights are protected, coverage is fully explored, and claims are handled strategically.
- What types of claims can be covered under insurance recovery?
Claims may include property damage, water intrusion, construction defects, damage from faulty products, and other losses covered under property, liability, and D&O policies.
- How does Barker Martin help with insurance recovery?
We guide boards through interpreting policies, filing claims, negotiating with insurers, and, if necessary, litigating disputes to ensure associations receive the coverage and funds needed to address damages.
- Does pursuing an insurance recovery claim mean going to court?
Not always. We prioritize negotiation and mediation to resolve claims efficiently but are prepared to litigate if needed to protect your association’s interests.
- How long does the insurance recovery process take?
Timelines vary depending on the complexity of the claim and the insurer’s response. We work proactively to move claims forward while keeping boards informed at every step.
- Can insurance recovery help fund construction defect repairs?
Yes, insurance recovery can be a critical source of funding for necessary repairs following construction defect claims, helping associations avoid additional special assessments or financial strain.
- Who should we contact to discuss an insurance recovery claim?
Contact Barker Martin to schedule a consultation with our insurance recovery attorneys, who will review your situation and outline the best path forward for your association.
Meet our team
Dean Martin
WashingtonDean Martin is the founding partner of Barker Martin and has devoted…
Jim Guse
OregonJim Guse leads the firm’s Insurance Recovery practice and is a firm-wide…
Jeremy Stilwell
WashingtonJeremy Stilwell focuses on litigation for homeowner and condo associations, especially construction…
Dan Webert
OregonDan Webert leads the firm’s Portland office and represents property owners in…