0
Who is responsible for damage caused by a sewage pipe back up in a condo The Condo Master Policy or Individual Homeowners Policy?
Wiki User
∙ 10y ago
The intrusion of sewage (or fresh water) from a community maintained utility line in a community maintained space is the responsibility of the HOA. While you might be able to file a homeowners claim and be compensated for remediation (except in a state like CA where sewage back flow may be excluded in your agreement with the insurance company), you may be discouraged from filing as the insurance company would then be motivated to sue the HOA and then raise your rates and drop you.
In this uncomfortable situation, the HOA needs to satisfy their liability-- which is to make you whole.
Retain a lawyer and as part of the settlement, insist that a back water device be installed between your unit and the common line, AND that the HOA obtains (and demonstrates to you) their liability insurance for future events.
Think of liability of a condo in this way: you are responsible for your car on the street until someone else hits it. If you can not identify the other party then your no-fault insurance will cover the damage. If the other party is identified then your insurance may reimburse you but subsequently sue to recover the damages from the other driver. In either case, you have exposed your insurance company to increased costs.
Wiki User
∙ 10y ago
Add your answer:
Earn +20 pts
Does an hoa management company pay for any losses in a homeowners insurance claim?
No, an HOA management company typically does not pay for any losses in a homeowner's insurance claim. Homeowners insurance is a separate policy that homeowners are responsible for purchasing and maintaining. The HOA management company is responsible for managing the common areas and implementing the HOA rules, but they do not cover individual homeowner's insurance claims.
Would a homeowners association be responsible for interior damage to a home where there was a leak in the roof The Homeowners association says it is only responsible for the exterior problems?
The association's master policy -- that covers all the real estate that the association owns/ owners own with all other owners -- spells out its coverage in the event of a leaky roof. If you carry an HO-6 policy -- individual unit owners insurance -- you can turn the issue over to your insurance carrier and give the carrier the authority to work it out with the master policy carrier. Otherwise, you may be able to learn more by contacting the master policy carrier directly. Your association's board may not be fully knowledgeable about its insurance coverage.
Does a homeowners associations general liability cover homeowners driving their vehicle for a homeowners outing?
Your master policy broker or your personal insurance carrier can answer your question specifically. There is no standard.
Does homeowners insurance cover burglary?
Yes, homeowners insurance typically covers theft and burglary of personal belongings. It's important to review your policy to understand the specific coverage and limits related to burglary. It's also recommended to document your belongings and keep a record in case you need to file a claim.
Are condo fees covered by homeowners loss of use?
Your individual (HO-6) policy will detail whether or not your monthly assessment payments are covered when you loose use of your condominium. Your insurance agent will be able to answer this question for you regarding that coverage.You can also check the master policy to see if you are covered, based on the cause of your loss of use. (Usually the master policy premiums are paid by your assessments.)Your board of directors or property manager can help you understand your coverage under the master policy.
Does homeowners insurance pay the full cost of repairs?
As with almost any insurance, it depends on your individual policy.
Is a homeowners policy a multiline policy?
No, Homeowners policies are considered Mono-Line
What discounts does Nationwide Mutual Insurance Company offer to their homeowners insurance policy holders?
If homeowners bundle their insurance polices they can receive up to a 15% discount on all policies that are current. For individual policies for homeowners insurance, there is a discount for every year that an individual is claim-free.
Will the Homeowners GL policy cover damage to an associations property from a fallen tree- ie drainage flume owned by the association?
No. No one is liable for an act of nature. The Homeowners Association's master insurance policy should cover damage to property owned by the association.
Does a homeowners insurance policy have to have the name of the current owners on the policy?
Yes, of course. The current owners on the policy have to pay for the insurance policy, This is why this policy states that it is a homeowners policy.
Will AAA homeowners insurance policy cover overflow of water from sink?
No. This is not a covered cause under a homeowners policy. This is something that was caused by the homeowners neglect which is not covered under the terms of the policy.
Who is responsible for damages when a tree falls on a car during storm?
That is an act of Nature. No one is responsible (liable) for an act of Nature. Your homeowners policy will not cover it. The comprehensive portion of the vehicle owners Auto Insurance policy would have to cover the damage.
