West Palm Beach has one of the highest concentrations of HOA-governed communities in South Florida — from Century Village's 7,854 units to Ibis Golf & Country Club's 33 subdivisions, Bear Lakes Estates' 24/7 guardhouse communities, and downtown's high-rise condo towers. Palm Build navigates master policy coordination, board approval processes, property manager relationships, and the unit-owner vs. association responsibility split that defines every HOA restoration project.
30-45 min
Emergency Response
24/7
Dispatch Available
IICRC
Certified Technicians
HOA & Condo Restoration
West Palm Beach is not a typical restoration market. With more than 20 major HOA-governed communities — gated estates, age-restricted villages, country clubs, and downtown high-rise condos — property damage here triggers a cascade of board votes, property manager coordination, multi-party insurance claims, and access logistics that most restoration companies have never navigated.
20+
Major HOA communities
West Palm Beach has one of the highest concentrations of HOA-governed properties in South Florida. From Century Village's 7,854-unit retirement complex to Ibis Golf & Country Club's 33 subdivisions spanning 1,864 homes, the sheer scale of association governance here creates restoration dynamics found nowhere else in Palm Beach County.
14+
Gated communities served
Bear Lakes Estates maintains a 24/7 guardhouse. Breakers West requires pre-registered vehicle access. Presidential Estates has strict architectural review. Every gated community in West Palm Beach has access protocols that restoration crews must navigate — delayed access means delayed mitigation, and delayed mitigation means exponentially worse damage.
2-layer
Insurance on every claim
Every HOA restoration project in West Palm Beach involves navigating two insurance layers: the association's master policy (covering common elements and building exteriors) and the unit owner's HO-6 policy (covering interior finishes). Under Florida Statute 718, the boundary between these coverages is legally defined — but each community's CC&Rs add nuance.
10,500+
55+ community units
Cypress Lakes (900 homes, 55+), Golden Lakes Village (1,888 units, 55+), and Century Village serve older residents on fixed incomes who require patient communication, realistic budgeting, and restoration teams that respect the unique dynamics of age-restricted communities — including medical equipment protection and ADA accessibility.
Our Process
HOA restoration is fundamentally different from single-family work. It requires board governance, multi-party insurance coordination, gated community access logistics, and community-wide communication — skills that franchise restoration crews simply don't have.
When damage occurs in a West Palm Beach HOA community, we respond immediately while simultaneously contacting the property manager or board president. For gated communities like Bear Lakes Estates and Breakers West, our dispatch team pre-coordinates gate access so crews aren't delayed at guardhouses — every minute of delay in South Florida's humidity accelerates mold risk.
We schedule an on-site meeting with the board and/or property management company to review damage scope, discuss insurance coverage (master policy vs. HO-6), and establish communication protocols. For large communities like Ibis Golf & Country Club with 33 subdivisions, we identify which sub-association boards need notification and which property managers manage each section.
When damage affects shared structures — roofs, common walls, shared plumbing risers, common areas — we assess every potentially impacted unit, not just the one that reported the problem. In Century Village's dense 7,854-unit layout, a single pipe failure can affect 6-10 units across multiple floors. We map the full damage footprint before beginning work.
West Palm Beach HOA claims require coordinating between the association's master policy and individual unit-owner HO-6 policies. Under Florida Statute 718, we determine exactly where the master policy stops and the HO-6 starts based on your CC&Rs. We produce separate documentation packages for each carrier so both claims process simultaneously — not sequentially.
Multi-unit restoration requires careful sequencing — addressing shared infrastructure first, then individual unit repairs. In age-restricted communities like Cypress Lakes and Golden Lakes Village, we coordinate with residents who may have medical equipment, mobility limitations, or relocation needs. We maintain community-wide communication throughout the project.
Every HOA project concludes with comprehensive documentation for the board's records — including all insurance correspondence, permit records, inspection reports, and warranty information. For West Palm Beach communities with professional property management, we deliver reports formatted for their record-keeping systems and present results at board meetings upon request.
Community Intelligence
Every West Palm Beach HOA community has a distinct risk profile based on construction era, building density, access protocols, and insurance structure. No competitor publishes this data — here is what we know about the communities we serve.
Type: Gated, Age-Restricted | Built: 1970s-1980s
Size: 7,854 units
Primary risk: Aging polybutylene plumbing, 1970s-80s CBS construction, cascading multi-unit water damage in dense building layouts, fixed-income residents with limited HO-6 coverage
Type: Master-Planned, Gated | Built: 1990s-2010s
Size: 1,864 homes, 33 subdivisions
Primary risk: 33 sub-associations each with unique CC&Rs and master policies, hurricane wind exposure on golf course properties, complex multi-board coordination for community-wide storm damage
Type: Gated, 24/7 Guardhouse | Built: 1980s-1990s
Size: 126 homes
Primary risk: Strict access protocols requiring pre-registration, aging roofs approaching 30-35 years, lake-adjacent humidity driving mold risk in wall cavities
Type: Luxury Gated | Built: 1980s-2000s
Size: 540 homes
Primary risk: Premium finishes requiring specialty restoration (marble, hardwood, custom millwork), architectural review for exterior work, high-value insurance claims requiring detailed documentation
Type: Gated SFH | Built: 1990s-2000s
Size: 166 large single-family homes
Primary risk: Large-footprint homes with complex HVAC systems, pool equipment water intrusion, tile roof wind damage requiring HOA-approved replacement materials
Type: 55+, Gated | Built: 1980s-1990s
Size: 900 homes
Primary risk: Aging plumbing infrastructure, residents on fixed incomes with budget constraints, medical equipment protection during restoration, ADA accessibility requirements
Type: 55+, Gated | Built: 1980s-1990s
Size: 1,888 units
Primary risk: Dense unit layout with shared walls, aging flat and low-slope roofs, special assessment politics when master policy deductibles exceed reserves
Type: Gated Community | Built: 2000s
Size: 500+ homes
Primary risk: Newer construction with potential Chinese drywall concerns, hurricane-rated window and door replacement, HOA exterior color and material standards
Type: Golf Community, Gated | Built: 1990s
Size: 300+ units
Primary risk: Golf course drainage affecting adjacent properties, mixed single-family and attached unit insurance structures, aging barrel tile roofs
Type: Condo Towers | Built: 2000s-2020s
Size: Multiple towers, 100-400+ units each
Primary risk: Vertical water migration across multiple floors, complex high-rise HVAC systems, elevator access coordination, master policy vs. HO-6 boundary disputes on shared structural assemblies
Don't see your community? Palm Build serves all HOA-governed properties in West Palm Beach and Palm Beach County — including Andros Isle, Flagler Pointe, Osprey Isles, and dozens of smaller associations. Contact us for a community-specific risk assessment.
Insurance Responsibility
This is the most common question West Palm Beach condo and HOA homeowners ask after damage. Under Florida Statute 718, the boundary between association and unit-owner responsibility is legally defined — but every community's CC&Rs add nuance. Palm Build reviews your specific governing documents and master deed before work begins to ensure the correct insurance carrier is billed for each scope item.
Most West Palm Beach condo restoration projects involve both the master policy and the unit owner's HO-6 policy. A burst shared plumbing riser in Century Village that floods six units below triggers the association's master policy for the pipe repair and structural drying, while each unit owner's HO-6 covers their interior finishes, flooring, and personal property. Palm Build creates separate scope documents for each carrier and coordinates approval timelines so both claims progress simultaneously — not sequentially.
Many West Palm Beach associations pass the master policy deductible to the responsible unit owner through a "deductible responsibility" clause in the CC&Rs. In communities like Century Village and Golden Lakes Village, this can mean a $5,000-$25,000 charge to the unit owner whose plumbing failed — on top of their own HO-6 deductible. When hurricane damage exceeds reserves, boards levy special assessments that can reach $10,000+ per unit. Loss assessment coverage on HO-6 policies helps — but many residents carry only the default $1,000 limit. Always review your HO-6 limits and CC&Rs.
Insurance Complexities
West Palm Beach HOA insurance is uniquely complex. The combination of hurricane exposure, aging infrastructure in 55+ communities, and multi-subdivision governance creates insurance scenarios that can devastate association budgets when boards aren't prepared.
West Palm Beach HOA master policies typically carry separate hurricane/named-storm deductibles of 2-5% of building value. For a 200-unit community insured at $50 million, that's a $1M-$2.5M deductible the association must cover before the carrier pays. Many boards discover this gap only after a storm — and the resulting special assessment creates severe financial strain for fixed-income residents in communities like Cypress Lakes and Golden Lakes Village.
The gap between where the master policy stops and the HO-6 policy starts is defined by each community's CC&Rs and the insurance policies' definitions of 'unit.' Under Florida Statute 718.111(11), condos must maintain master policies covering common elements and certain 'as-built' unit components — but the exact boundary varies. Misalignment creates uninsured gaps that leave either the association or individual homeowners responsible for costs neither expected.
Age-restricted communities like Cypress Lakes, Golden Lakes Village, and Century Village serve residents on fixed incomes. When master policy coverage falls short and the board must levy a special assessment, many residents cannot absorb a $5,000-$15,000 assessment. Florida law requires specific notice and voting procedures for special assessments — boards that skip steps face legal challenges that delay the entire restoration project.
Ibis Golf & Country Club has 33 sub-associations, each with its own board and potentially its own master policy. Community-wide storm damage requires coordinating claims across multiple carriers simultaneously. A single storm that damages common areas, golf course infrastructure, and homes in 15 different subdivisions creates an insurance coordination challenge that franchise restoration companies have never seen.
We produce documentation that satisfies HOA master policy carriers, individual HO-6 insurers, and Citizens Property Insurance — which insures a significant percentage of Palm Beach County HOA communities. Our project managers have navigated multi-carrier HOA claims across West Palm Beach's largest communities. For more on the claims process, see our insurance restoration process guide.
HOA Restoration Gallery
From multi-unit water extraction in Century Village to drying equipment deployment in downtown condos, every image below represents the specialized HOA restoration work Palm Build performs across West Palm Beach's association-governed communities.
Multi-unit water extraction in Century Village — coordinating drying across shared structural assemblies in the region's largest retirement community.
Commercial LGR dehumidifiers and air movers in a West Palm Beach condo unit — pulling 15-30 gallons of moisture per day in South Florida's year-round humidity.
HVAC condensation inspection — identifying hidden moisture behind shared walls that contributes to mold risk in West Palm Beach HOA buildings.
Emergency water extraction in progress — every minute of standing water in South Florida humidity accelerates mold colonization.
Complete restoration from water-damaged to move-in ready — documented for both the master policy carrier and the unit owner HO-6 claim.
Before and after restoration in a West Palm Beach HOA property — carrier-formatted documentation supporting both master policy and HO-6 claims.
Why Palm Build
HOA restoration is a governance challenge as much as a construction challenge. Boards need a partner who understands fiduciary responsibility, community communication, gated-access logistics, and the dual-layer insurance dynamics unique to association-managed properties.
We assign a dedicated project manager who interfaces directly with your board and property management company. We attend board meetings, provide written progress reports, and maintain transparent communication with homeowners throughout the project. In communities like Ibis with 33 sub-associations, we coordinate across multiple boards simultaneously.
We've worked with HOA communities across West Palm Beach — from Century Village's dense 7,854-unit complex to Breakers West's luxury estates. We understand the distinct insurance structures, access protocols, and community dynamics of each. No learning curve, no surprises.
Our IICRC certifications provide the quality assurance that HOA boards need when selecting vendors — and the documentation that satisfies insurance carriers. Florida's restoration market has many unlicensed operators; our certifications differentiate Palm Build for boards performing due diligence on vendor selection.
We produce documentation formatted for both HOA master policy carriers and individual unit-owner HO-6 insurers. Our scope reports clearly delineate which costs fall to the association and which to individual owners — preventing disputes before they start. We work with all major carriers including Citizens Property Insurance.
When Century Village needs 50 units dried simultaneously or Ibis needs 300 roofs inspected after a hurricane, you need a company with the crew depth and equipment inventory to handle community-scale projects — not a two-truck franchise that can only work one unit at a time.
Our Deerfield Beach operations hub is 30-45 minutes from West Palm Beach. We respond 24/7 and pre-coordinate gate access for gated communities so crews begin work immediately upon arrival. In HOA emergencies where water is migrating between units, response speed directly determines total damage scope.
Common Questions
Answers to the questions West Palm Beach HOA boards, property managers, and unit owners ask most frequently about restoration in association-governed communities.
Palm Build handles the unique complexities of West Palm Beach HOA restoration — master policy coordination, board approvals, gated community access, multi-unit damage, and unit-owner vs. association responsibility. Our Deerfield Beach team responds in 30-45 minutes.
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