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
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.
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.
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.
A portable mortgage in the USA allows homeowners to transfer their existing mortgage to a new property without refinancing. This can save money on closing costs and potentially lower interest rates. It also provides flexibility for homeowners who want to move without the hassle of securing a new loan.
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.
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.
yes
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.
Retractable driveway fences provide added security by restricting access to the property and deterring intruders. They also offer convenience by allowing homeowners to easily open and close the gate as needed, without the hassle of manually moving a traditional gate.
"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".
If the previous owner of your property has done work without getting the required permits, you may face issues such as fines, legal complications, difficulty selling the property, and safety concerns due to work not meeting building codes. It's important to address this situation by checking with local authorities and possibly seeking retroactive permits to avoid future problems.
If you are the seller, notice that the lien must be satisfied before title can be transferred to a new owner. If you are a buyer, notice that the lien must be paid -- thus affecting the amount of your new equity, before title is transferred.