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If a natural disaster, like a hurricane or lightning storm, affects a condominium or community association, typically it will be the property manager and/or the board of directors who are responsible for investigating then filing an insurance claim. Most board of directors are not professional manages, but rather owners and volunteers, making reading the insurance policy and making recommendations a tough task.

Making a property insurance claim can be a scary, life-changing event for a policyholder. But for your insurance company? It is business as usual, literally. This is what insurance companies do.