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Understanding Your Condominium/Co–Op Claim

We understand the property claim process can be confusing if you are the owner of a condo or member of a co-op. You may be asking yourself questions such as: What am I responsible for? Will my condo association or co-op board cover anything? Although answers to these questions may vary according to your master deed, by-laws or proprietary lease agreements, there are certain rules of thumb you can follow to determine who may be responsible for repairing or replacing your damaged property.

Below are some useful tips as well as answers to a few of the most frequently asked questions we receive about condo/co-op claims. We encourage you to contact your Travelers claim professional if you have additional questions or concerns regarding your claim.

What you can do

Please take the following steps as early as possible to help us resolve your claim more quickly:

  • Notify a member of your condo association or co–op board or their management company of your loss.
  • Obtain the name of the insurance company who provides property coverage for your condo or co–op and determine if condo or co-op officials will be filing a claim with that insurance company.
  • Make sure you have a copy of the master deed, by–laws, and/or proprietary lease agreement(s). If you do not have a copy of these documents, you should contact your management company to obtain a copy. Your claim professional will need a copy of these documents to resolve your claim.
  • Discuss with your Travelers claim professional whether there is anything you should do to prevent further damage to your property before making any repairs. Be sure to keep all receipts and invoices for any work completed.
  • Review your Travelers insurance policy. If you have questions about your coverage, ask your claim professional to walk you through your policy.

Frequently asked questions

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