Condo Association Hail Claim Windows — Documented by Unit
Hail hit the condo building. The board is asking whether the master policy or the owners' policies pay for the windows, and someone still has to count every damaged one.
Reply within one business day. Or call / text 763-204-2099.
On a condo association hail claim for windows, the board, its manager and the agents decide who files: the association on its master policy, unit owners on their own, or both. JMB Builders does not interpret policies. We document every window by unit with scaled photos, write a scope either party can use, meet the adjuster and replace to the association's standard. Twin Cities metro, priced per opening. Photo reply within one business day, or a free walkthrough.
- Board and agents decide who files
- Scope split by unit so each party sees its share
- Replaced to the association's window standard
In a condo building, the windows can belong to the association, to each owner, or partly to both. The declaration and bylaws say which, and the master policy and each owner's unit policy follow from that. That reading is for the board, its manager, the association's agent and the owners' agents. We do not interpret declarations or policies, and we do not tell anyone who should file.
What we do is make the record usable whoever files. Every window is numbered by floor, unit and wall, photographed wide and close with a scale in the frame, and written as one line with the damage and the repair. The scope is grouped by unit, so if the association files for the frames and owners file for glass or screens, each party can see its own lines without anyone re-counting. When the board wants us there, we walk the adjuster through the building.
Replacement follows the association's exterior standard: one in-person measure of every opening, one order so color and glass match, installs unit by unit with dates the manager sends to owners. Before we bid a building of five or more units, we check the city's contractor licensing and permit rules for that building.
Get a written quote for this job
Three photos and a sentence is enough: a reply within one business day, or ask for a free in-home estimate. Or text the photos to 763-204-2099.
What you supply
- The board's decision on who files, with the claim number or numbers
- The association's window and exterior standard
- A unit list and a manager contact for access and owner notices
- Owner contacts where owners are filing their own claims
- Approval of the scope by whoever the board authorizes
What JMB supplies
- Every window numbered by floor, unit and wall
- Wide and close photos of each damaged window with a scale in the frame
- A scope grouped by unit, with lines that can be split between association and owners
- A walk with the adjuster when the board or an owner wants us there
- One in-person measure, then one order to the association's standard
- Unit-by-unit installs with dates for owner notices
- A certificate of insurance and a W-9 on request
How it is priced: per opening
Quoted in writing from your photos, with a reply within one business day. What moves the number:
- Number of units and damaged windows per unit
- Glass, sash, capping, screen or whole window per opening
- The association's required window line versus a basic like-kind unit
- Floor height and access to upper-floor windows
- Interior trim disturbed by full-frame replacement
- City permit requirements for the building
Send the number of units, the association's window standard if there is one, and photos of a few damaged windows. We reply within one business day.
How long it takes
Documenting the building: usually a day or two. Who files is the board's and the agents' timeline; then the insurer's review and the order. Installs typically one to two working days per unit.
How your project works
- 1
Send photos, get a written quote
Send three photos of the space and a sentence about what you want. You get a clear, itemized reply within one business day. Prefer a look in person? A free in-home estimate is always an option.
- 2
Pick materials, or bring your own
We help you choose profiles and materials that fit the house and the budget, or match your existing millwork exactly — or you buy the door or trim yourself and we install it. Everything is confirmed before the crew is scheduled.
- 3
Clean, precise installation
The crew shows up on time, protects floors and furniture, and installs with tight joints and consistent reveals. Photos of the finished work go in your job folder.
- 4
Walkthrough and invoice
We walk the finished work with you. If anything is not right, we fix it before we call the job done. Then one invoice, paid by check or direct deposit — no card fees, no payment links.
Situations and options
Association files on the master policy
Our scope goes to the master policy adjuster, the order follows the association's standard, and the invoice goes to the association.
Owners file on their own policies
Each owner gets the lines for their unit from the same building-wide scope, so every owner's claim uses the same numbering and the same window standard.
Responsibility split
Where the documents split frames, glass and screens between the association and owners, the scope lines are split the same way. The board and agents decide the split; we write it as they decide.
Condo Association Hail Claim Windows — Documented by Unit: questions, answered
Does the condo master policy or my unit policy pay for hail-damaged windows?
It depends on the association's declaration and on both policies, and that is for the board, the association's agent and your own agent to answer. We do not interpret policies. Check your policy and ask your agent, and ask the manager what the declaration says about windows.
Who files the hail claim for windows in a condo building?
The board and its manager decide whether the association files on the master policy, owners file on their own, or both. We document every window the same way either way, so the scope works for whoever files.
Can one contractor document hail damage for both the association and the owners?
Yes. One walk numbers every window by floor, unit and wall, with scaled photos. The scope is grouped by unit, so the association and each owner can take their own lines without anyone counting twice.
Can a condo owner upgrade their windows during the association's hail claim?
Only if the association's rules allow it, and anything beyond the approved scope is the owner's own line, priced separately and never put on the claim. The board decides the exterior standard.
Can the contractor pay the condo association's deductible?
No. Minnesota law, Minn. Stat. 325E.66, bars residential contractors from promising to pay or rebate any part of a deductible, and JMB does not on any building. How the deductible is shared is set by the association's documents and board; ask the association's agent.
How are condo owners told when their windows will be replaced?
We give the manager a unit-by-unit schedule and the manager or board sends the notices. Each unit's windows are closed the same day they are opened, floors and furniture are covered, and the manager has one number to call.
Recent JMB work, from our job log
59 installs recorded across 30 Twin Cities communities since Dec 2025. Window and door installs for homeowners and the builders we work with. Counts come straight from our job log; no customer names.
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Read morePage reviewed October 9, 2026 · JMB Builders LLC, MN license BC809005 · All apartment buildings pages
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