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Condominium Associations

It may be time for your 36 month valuation.

Florida state law requires all condominium associations to have a replacement cost valuation conducted at a minimum of every 36 months.

Florida State Statute 718.111(11)a:

Adequate property insurance, regardless of any requirement in the declaration of condominium for coverage by the association for full insurable value, replacement cost, or similar coverage, must be based on the replacement cost of the property to be insured as determined by an independent insurance appraisal or update of prior appraisal. The replacement cost must be determined at least once every 36 months.
After the extremly active hurricane season of 2004 and 2005 the State of Florida saw that condominium associations were badly under insured.

It is a fiduciary responsibility of the Condominium Association Board of Directors to make sure that this valuation is completed and the correct amount of insurance coverage is in place.

Expert Insurance Valuations reports for condominium associations include:

-Wind Storm Coverage -Flood Insurance -Ordinance or Law Valuation

Experience, professionalism and accuracy doesn't have to be expensive.

We produce the most complete and detailed reports showing the correct current valuation cost at affordable pricing.
In Expert Insurance Valuations we also include most site additions like:

  • Pools
  • Spas
  • Fencing
  • Retaining Walls
  • Seawalls
  • Lighting
  • Flagpoles, etc.
Condominium Association Insurance Valuations Florida

Meet the Expert Team.

Dave Kolodzik, PPIA, CRVS

Dave Kolodzik, PPIA, CRVS
Expert Inspectors’ president has been conducting insurance inspections
and replacement valuations throughout Florida since 2002. He has also instructed dozens of other inspectors over the years.

Besides being a Certified Replacement Valuation Specialist he is also a Florida licensed all-line property appraiser with the PPIA (Professional Property Insurance Adjuster) designation. Dave is also certified continuing education instructor for Community Association Manager licensees.

Ramon Giaconne

Ramon Giaconne
Ray is a Florida Certified Building Contractor with over 30 years experience
with a great understanding of construction laws and contracting business practices.

Currently Ray oversees our wind storm mitigations, roof condition inspections and personally conducts all inspections relating to balcony railing code compliance satisfying the Department of Business Professional Regulation required form DBPR HR 7020.

A valuable team member to have on your side.

M. Anastasia Kolodzik

M. Anastasia Kolodzik
Anastasia is Experts’ reserve study specialist. She personally works with each board and property manager to customize the reserve study to the individual need of each association.

The process begins with an on-site inspection of the
association. She then meets with the property manager and board to
collect the necessary information to produce a funding plan over a specified time period.
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