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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?
Dianekjensen
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.
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∙ 9y ago
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Where can a person get tips on installing exterior french doors?
You can get tips on installing exterior french doors by visiting your local homeowners shop such as Home Depot. A dedicated agent would be happy to help you.
Is a condominium association responsible for exterior plumbing?
Read your governing documents to determine who owns the exterior plumbing in your case.
Does your home owners insurance covers hail storm damages to exterior walls of your home?
A homeowners policy does provide coverage from hail, windstorm, etc.
What is the difference between a home owners association and neighborhood association?
A homeowners association is a legally binding scheme for real estate property ownership. Governing documents can dictate standards for yard upkeep, exterior colour and so forth.A neighborhood association is usually a more informal collection of owners who work together to maintain safety, security and other public or civic standards. There may be guidelines involved, but they may not be legal and binding on residents.
Can you submit your own pictures of the inside to buy homeowners insurance?
I don't know of any homeowners insurance carrier that requests an inspection of the interior of the home. We inspect the exterior and take photos of the outside only to submit to the carrier. The main concern of the insurance company is the condition of the roof and the overall maintenance of the property. If a person takes care of the outside of the house and show pride in ownership then the interior normally will show the same attention to maintenance. The exterior also gives us the measurements and therefore the square feet in order to calculate the replacement cost of the home.
If your condo association is responsible for the exterior of your unit and you suffer interior water damage due to a leak from a foundation problem who is responsible to fix the interior damage?
Let your condo insurance company duke it out with the master policy insurance co.
What does a normal home insurance cover?
A standard homeowners' insurance policy will cover damage to the interior or exterior of the house as well as damage or loss to personal belongings. However their exists a variety of home insurance options so what you are covered for may be more of less than stated above.
When you own a condominium are you responsible for the exterior of the residence or building?
Read your governing documents to determine who owns the outside of the condominium. Typically, the 'outside' is owned by the association, and of which you share ownership with all other owners. Ownership determines maintenance.
In a condominium who is responsible for tuck pointing?
Tick pointing: the process of repairing or replacing the mortar between bricks. Read your governing documents to determine who owns the bricks and who is responsible for maintaining them. Usually, if the bricks are on the exterior of the building, the association owns the real estate asset and is responsible for maintaining it. If it's on the interior of a unit, it might be your responsibility.
Can an insurance company cancel your homeowners insurance if you refuse to install exterior stair rails?
As long as the contract itself has no specifically stated agreement that shows coverage is unconditional, then, as long as they give proper notice, an insurance company can cancel ANY insurance policy for ANY reason. Of course, if you disagree with the decision, you can always consult an attorney and go from there
Rules of a gated community?
Rules of a gated community can vary but commonly include restrictions on noise levels, parking regulations, exterior property modifications, visitor access, and adherence to community aesthetics such as landscaping or architectural guidelines. Residents may also be required to pay homeowners association fees and abide by community amenities usage policies.
Are the exterior windows doors and screens considered common areas of a condo association?
Depends on your MAINTAINENCE agreement
