Who insures a Pace townhome’s roof and exterior? in Pensacola
November 5, 2026 · PAJOE Public Adjusters
After damage to a townhome, look up the declaration, bylaws and maintenance chart for your community. Identical-looking units can have different ownership and insurance arrangements. Ask the association for the current documents and a written contact for reporting the loss. If the roof, siding or a shared wall is involved, identify the affected section and which unit or common area it serves.
Compare responsibilities with insurance
Create a list of damaged components. For each one, record who is responsible for maintenance under the documents, which policy might respond and who is following up. A maintenance assignment can differ from an insurance obligation, so ask for the relevant policy and amendments. Keep your personal property and interior records separate from records for a shared element.
Record open questions after inspection
If rain enters through an opening above a shared roof line and damages your flooring, notify the relevant parties and ask both what they need. Save correspondence, photos, repair estimates and the dates access was provided. Ask the association and insurers to clarify who will arrange inspection and what work each is evaluating. Consult a qualified attorney if the governing documents or obligations are disputed.
Official resource
Florida Department of Financial Services hurricane recovery resources: https://myfloridacfo.com/division/ica/storm
Ask PAJOE about your claim
For a free initial claim review, call PAJOE Public Adjusters at (850) 842-6424.
Florida Public Adjusting Firm License # W894577
Joseph Whitefall | Florida Public Adjuster
Individual License # E166230
Our public adjusting fee is contingent on a recovery. Before you retain PAJOE, we explain the agreed percentage and the payments to which it applies. Fee terms are set out in our signed agreement. Any outside expenses require separate written authorization consistent with applicable Florida law.
PAJOE provides public adjusting services and does not provide legal advice. Coverage and recovery depend on the policy, the facts of the loss, and supporting evidence. No particular decision, payment, additional recovery, or resolution timeframe is guaranteed.