The answer to this depends entirely on the CC&Rs (Covenants, Conditions and Restrictions) for your HOA, and also where the leak occurred. Read the heck out of the CC&R's to get this answer.
If the HOA bears responsibility for maintaining the water supply and the leak occurred outside the main connection to your property (perhaps the water ran along the pipe into your domicile), then it's likely the HOA is responsible for correction and repairs. If the leak occurred inside your home, only the CC&R's will tell you the answer.
Answer
Check in with a board member about your hazard insurance coverage for this issue. In the HOA I belonged to, the insurance would have covered the damage if it was due to outside Plumbing. I always carried insurance for the inside of my home. In any case, it is tough to get an instant response-you'll need to be patient.
In insurance terms, "PD" refers to property damage or physical damage to property. "Bi" refers to Bodily injury.
things that are not covered at all in property cover
The section responsible for compensation for injury or damage to property is typically covered under the "Liability" or "Indemnification" section of a contract or insurance policy. This section outlines the terms and conditions under which compensation will be provided in case of injury or damage to property.
You need to review the document that created the easement to determine that type of responsibility. All the terms should be included in that document.
No, a quit claim deed only changes ownership of the property. The property will still remain collateral for the mortgage loan. The actual ownership of the property does not change the terms of the mortgage loan and the promise the signatories (you) made to the bank.
It depends on what type of insurance the property owner has and what the terms of the lease are. Some landlords carry property damage coverage for the building structure. Some leases require that the renter carry a tenants policy.
Loss of property. Most tornadoes cause some sort of property damage, but relatively few tornadoes kill. In terms of danger to life the greatest hazard is flying debris.
You should have the tree removed. It is the homeowners responsibility to maintain their property and mitigate any known risks. This is in the terms of every insuring contract If you know the tree poses a risk and you fail to have it removed then you may void any and all coverage on your homeowners policy.
The Vandals were an eastern Germanic tribe that invaded and sacked Rome in 455 AD. This "senseless destruction" provided the English terms for those who damage property.
characteristic or functionality of a material = property of a material
No. Hurricane Andrew was one of the costliest hurricanes in terms of property damage but the total number of deaths, both direct and indirect, amounts to only 65.
No. Hurricane Andrew was one of the costliest hurricanes in terms of property damage but the total number of deaths, both direct and indirect, amounts to only 65.