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MGW Law

Wisconsin’s Dedicated Insurance Law Firm

Condo Association Insurance Coverage In Wisconsin

Last updated on June 17, 2025

Managing a condominium association in Wisconsin comes with responsibilities, particularly when it comes to insurance. Whether your association is located in Rochester, Bloomington or other areas of Wisconsin, understanding the available coverage options is crucial to prevent major financial losses.

At MGW Law, we have over 50 years of combined experience helping condo associations throughout Wisconsin. Our team understands the complexities of condo insurance, and we are committed to assisting associations with commercial property claims, particularly those related to hail damage, a common concern due to recent storms in Wisconsin.

Types Of Condo Association Insurance Coverage

Condo associations need comprehensive insurance coverage to handle various risks. Below are the essential types of coverage:

  • Property coverage: Protects the building structures and common areas, including roofs, walls, elevators and lobbies.
  • General liability protection: Covers injuries in common areas, such as hallways, pools and parking lots.
  • Directors and officers (D&O) liability: Protects board members from personal liability for their decisions and actions.
  • Workers’ compensation: Provides coverage for workers or contractors who are injured while performing duties for the association.
  • Fidelity/crime insurance: Covers losses due to fraudulent or dishonest actions by employees or board members.
  • Flood and specialized disaster coverage: Protects against damage from flooding or disasters not included in basic policies.

These types of coverage help protect the association’s financial health, and ensure that repairs and damages are addressed promptly.

Common Hail Damage To Condos

In Wisconsin, hailstorms have caused significant damage to many condo associations. Common hail damage includes:

  • Roof damage
  • Siding and exterior wall damage
  • Window and door damage
  • Water intrusion risks

It is important to report damage quickly and document everything for an insurance claim.

Bad Faith Warning Signs In Hail Damage Claims

If your insurance claim for hail damage is delayed, denied or undervalued, your insurance company may be acting in bad faith. Look for these warning signs:

If you notice any of these signs, it is important to seek legal help. An attorney can help you pursue a fair settlement.

How Our Lawyers Can Help

With over 50 years of combined experience, MGW Law is here to support Wisconsin condo associations with insurance claims. Whether you are dealing with hail damage or other property concerns, our team is here to guide you through the claims process. Contact us today online or call 920-383-3911 to schedule a consultation.