Lawyers for Tennessee Multi-Family Dwelling Property Claims
Prompt and professional advocacy for insurance disputes in the Southeast and Midwest
Owners and the Homeowners Association for apartment complexes, condominiums, townhouse units, and other multi-family homes have a special urgency in getting their insurance claims paid on time and in full. In the case of emergencies or necessary repairs, families need to know where they will be staying and what arrangements they need to make for alternate living. The owners need to restore their dwellings to code requirements quickly, as rental incomes won’t be coming in while the repairs are being made. And, multi-family units that need to be rebuilt may need to undergo a whole new round of building and governmental inspections.
At McWherter Scott & Bobbitt, our Tennessee-based multi-family dwelling and insurance dispute attorneys have the experience you need. For example, we helped two apartment complexes obtain a three-million-dollar award when windstorms caused severe damages. Our attorneys work with professional experts to determine the true cost of repairing or rebuilding damaged units. We understand how to counter the arguments the insurance adjusters, engineers, or attorneys will make to limit or deny your claims. And, we’ll negotiate with adjusters and fight your case when needed so that your family, or the tenants in your units, can get back home.
Tennessee’s multi-dwelling insurance laws
Multi-dwelling can refer to smaller two-to-four family homes, townhouses built for several families, apartment complexes, or condominiums. The co-owners of multi-dwelling units can obtain building insurance pursuant to state law § 66-27-117, which reads, “The co-owners may, upon resolution of a majority, insure the building against risks, without prejudice to the right of each co-owner to insure such co-owner's apartment on such co-owner's own account and for co-owner's own benefit.”
There are separate laws for condominium owners’ associations and the owners of the individual units.