Fort Worth · Dallas · Downtown & high-rise
Condo contents vs. the building — who handles your stuff
After a condo fire or water loss in Fort Worth or Dallas, the association’s policy and your unit policy often cover different things. Who packs and restores your contents should answer to you — not default to the building’s contractor list.
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Two policies, two scopes
- The association / building policy usually covers the structure and common elements. Walls-in vs bare-walls varies by declaration — check your docs; don’t invent a rule.
- The unit owner often carries a separate contents / improvements policy (commonly HO-6-style): furnishings, clothing, art, electronics, and many upgrades on the owner’s claim.
- One loss can open two claims. Mixing them confuses scope and custody.
Education, not legal advice. Declarations and policies differ — read yours or ask your agent.
Why the building’s list is the wrong default for contents
01
Control your belongings
Packing, inventory, storage, and return should answer to you, not the association’s vendor schedule.
02
Payment / hold risk
If the building’s contractor is waiting on association payment, your packed items can get held or delayed while you wait on someone else’s invoice. Your stuff shouldn’t sit in the middle of the building’s bill fight.
03
Conflict of interest
That vendor is hired for the building’s file, not to maximize documentation for your contents claim.
04
Different policies, different adjusters
Contents photos, inventory, and any loss-of-use notes belong on the unit owner’s claim path.
05
Preferred-vendor pressure
“Use our guy for everything” is common. For contents, you can still choose who enters your unit and who inventories your property.
Building contractors can do fine structural work. The issue is who owns the contents relationship when custody and payment are involved.
Fire or water in a high-rise unit
Smoke path, upstairs baths, shared stacks, freight and loading access, neighbor phasing.
Estimate gaps on the unit claim
Thin building or unit estimate? Get a technical review before you sign off.
You choose the contractor
For your contents file, you still pick who walks into the unit. Program contractors · Homeowners.
Where we work
Downtown and mid-rise / high-rise condo owners in Fort Worth and Dallas. No fake building names — we’ll tell you if the logistics fit.
How PRC fits
- 01 Stabilize the unit when invited. Board-up and extraction as needed.
- 02 Separate building scope vs your unit/contents file. Two claims is normal. Mixing them is how contents get under-documented.
- 03 Document belongings before pack-out when possible. Photos and inventory under the owner’s direction.
- 04 Dry / clean / restore what you hired us for. We don’t pretend to settle the association’s claim.
- 05 Talk to carriers with docs. We don’t settle either claim. Contractor vs public adjuster.
The one thing most people don’t know
Condo losses often involve two policies: the association master policy and the unit owner’s condo/contents policy. Assuming “the building’s insurance covers everything in my unit” is how contents get under-documented.
Condo contents FAQs
Does the building’s insurance cover my furniture and clothes?
Often no — or only partly. Many unit owners carry a separate contents policy. Check your declaration and unit policy. This is not legal advice.
The HOA said I have to use their contractor for everything. Do I?
For work the association controls, their process may apply. For your contents — packing, inventory, cleaning, storage — you generally choose who handles your belongings. Read what you sign. This is not legal advice. Program contractors.
Why not let the building’s contractor pack my unit?
Control and custody. If they’re waiting on association payment, your items can sit in limbo. Your belongings shouldn’t sit in the middle of someone else’s bill fight.
Fire or water in my Fort Worth or Dallas condo?
Stabilize first, then separate building vs unit scopes. Call 817-632-2522.
Work with my insurance and the association’s?
We document the unit and talk with carriers. We don’t settle either claim. Thin estimate? Get a review.
Do you take every downtown tower?
Access, freight, and HOA rules matter on towers. We work around them. Call 817-632-2522.
Get an independent look at the unit and contents before everything is boxed by the building’s list.
817-632-2522Send estimate / photos for review