The Plain-Words Version
Is your building claim-ready before hurricane season?
A building is claim-ready when two things are true before the storm: the board understands what its insurance policy actually says, and the building's condition is documented with dated evidence. Most Florida associations have neither. Coyne Commercial Group's Board Insurance Readiness Review is a one-time engagement that covers both: a plain-English read-through of your policy (deductibles, coinsurance, exclusions, deadlines) and a dated baseline documentation of your building's condition, finished with a gap list your board can act on.
Why before beats after
Every insurance claim is an argument about condition: what the building was like before the loss versus after. Boards that can open a binder of dated roof photos and system records settle that argument fast. Boards that cannot are left proving a negative while deadlines run. The same storm produces very different recoveries, and the difference is usually decided before the wind ever blows.
What the review is not
It is not a subscription, not a membership, and not a strings-attached teaser. It is one engagement with a finished deliverable. If your building never takes another loss, the review still leaves your board knowing exactly what it is carrying and what it would owe out of pocket. If a loss does come, your documentation is already done.
Questions Boards Ask
Straight answers
What does claim-ready mean for a condo association?
It means the board understands its policy before a loss (deductibles, coinsurance, exclusions, deadlines) and holds dated documentation of the building's pre-loss condition. Those two things decide most claim outcomes, and both can only be done properly before the storm.
What is a Board Insurance Readiness Review?
A one-time engagement from Coyne Commercial Group: a plain-English read-through of the association's policy, a dated baseline documentation of the building's condition, and a written gap list for the board. One engagement, one deliverable, no subscription.
Why does pre-storm documentation matter so much?
Because a claim is an argument about before versus after. Dated photos and records of a healthy building are the strongest possible evidence of what the storm took. Without them, the association is trying to prove its building's past condition from memory.
When should a board do this?
Before hurricane season, ideally in spring. But any day before a loss beats every day after one. Boards that just renewed their policy are in an especially good moment to have it read properly.
Does the review obligate us to use CCG on a future claim?
No. The review is a stand-alone engagement and the deliverable is yours either way. If a loss comes and your board wants representation, we are licensed for exactly that work, but nothing about the review requires it.
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