Bluehill Insurance has master insurance programs for condominium and homeowners associations in Tampa and across the Bay Area. We help boards and property managers meet Florida’s association requirements – full replacement-cost property coverage, general liability, directors and officers (D&O), fidelity/crime, windstorm, and flood – with special attention to the Gulf Coast’s storm-surge and flood exposure.
Coverages we place for associations include:
- Building / property at replacement cost
- General liability insurance
- Directors and officers (D&O) liability
- Fidelity / crime
- Equipment breakdown
- Windstorm and flood
Frequently asked questions
What insurance is a Tampa condo association required to carry?
Under Florida Statute 718.111(11), a residential association must insure at full replacement cost based on an independent appraisal at least every 36 months, plus general liability, directors and officers, and fidelity/crime, and – given Bay Area exposure – windstorm and flood.
How is storm surge handled for a waterfront Tampa association?
Storm surge is a flood peril, so it is addressed through flood coverage rather than the wind policy. Bluehill places property, wind, and flood together for Bay Area associations.
Do the SB 4-D reserve rules apply to Tampa associations?
Yes – Florida’s structural reserve and milestone-inspection laws apply statewide. Bluehill helps Tampa boards document building condition to get the best terms.
Get a quote: call (800) 467-4914 or request a quote online.