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Need homeowners policy on property you have occupied 13yrs without previous homeowners policy?
Wiki User
∙ 14y ago
you had no insurance for 13 years? You should qualify for a state plan that will guarantee you coverage - contact a local insurance agent - and expect for the premium to be high
Wiki User
∙ 14y ago
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Can a non-mandatory Florida homeowners association be converted to a mandatory association under Florida ss 720.403 without the parcel owners consent?
A homeowners association cannot be a mandatory association without the consent of 100% of the property owners in the development attempting to establish an association. In addition to the consent of the property owners, the association must follow certain procedures and file the proper documents in order to subject the property to the association's rule.
Does homeowners insurance cover tenants?
No, your homeowners insurance does not cover tenants nor any of their property or liabilities. actually, the presence of tenants without the presence of an owner can void all coverage and nullify the homeowners insurance policy. If the occupancy status of your home changes, contact your agent. Leased homes require landlords insurance. Vacant homes require a vacant property policy.
What is the contact number for the Cliff Gardens town Homes Homeowners Association or the Property Manager?
Without a state listing, this will be a tough question to answer. You can ask anyone on the board of this association, or any property owner, who should have or be able to get that information for you.
Is it illegal for plumber to do unauthorized work for a rental property without getting consent of homeowners?
No. Assuming the tenant permitted the plumber to enter the property, it would not be trespass. The plumber could not collect fees from the homeowner if the tenant authorized the work.
If your motorcycle without theft coverage was stolen out of a neighbor's garage will their homeowners insurance cover it?
No, Your neighbor has a home insurance policy to cover his owned property. Homeowners insurance is specific to the named insured and the insured's scheduled property. Homeowners Insurance does not cover automobiles or motorcycles at all and does not cover property belonging to third parties except in very narrow circumstances. Personal Property coverage excludes motorized vehicles except lawnmowers, golf carts, off-road ATVs, vehicles for the handicapped. If it is a vehicle intended to be licensed for road use, it is excluded under residential building policies.
Can you have homeowners insurance without wind coverage?
yes
How does go about removing a deed restriction that was between previous owners none of which are involved w property at this time and no Homeowners Association to enforce it?
A "deed restriction between previous owners" (i.e., specifically by name with clear intent that the restriction is only personal) should not effect you in the slightest. However, many deed restrictions "run with the land," that is, they restrict any future owner and cannot be removed without obtaining a release from every possible party who could benefit from keeping the restriction, or by getting a new deed from the previous owner that does not contain the restrictions.
What is adverse possession without color of title?
"color of title" means the squatter has a document that appears to convey ownership of the property being taken, such a defective deed. "without color of title" is any other taking by adverse possession of property, based primarily upon continued trespass for longer than the required statute of limitations, and some state require "cultivation, improvement, or enclosure" of the property, as a demonstration of the extent to which the property has been "occupied".
Can a homeowners association lien impede a mortgage loan?
Yes, a homeowners association lien can impede a mortgage loan. If a homeowner has outstanding unpaid dues or violations, the homeowners association may place a lien on the property. This lien takes priority over a mortgage, making it difficult for the homeowner to refinance or sell the property without addressing the lien first.
Can your insurance company raise your homeowners deductible without you consent?
it depends on the company
Will homeowners insurance cover damage to a car without comprehensive coverage damaged by fallen tree.?
Homeowners policies specifically exclude damage to motorized vehicles with the exception of lawn mowers that are exclusively use for maintenance of the property. Also, golf carts are usually covered. Automobiles can only be covered by an auto policy that has physical damage coverage included.
Do I have legal right to trim a tree over my fence line?
Depends if the fence line IS the property division line, in which case both homeowners have to agree about the trimming. If whatever needs trimming is solely on your property you are allowed to do whatever it is you need to do, providing any homeowner association (if they exist) has rules for this.
