goodbirdie
Member
Last two posts:
When I talk to my "own" insurance (which covers my possessions in case of burglary, fire, etc., and also handles liability insurance), they tell me that my HOA's master policy is the one to rebuild the interior of my condo and to have the HOA file a claim with them. Of course, at first the HOA was refusing to file a claim, period. When I told my "own" insurance they said, "They're going down the wrong road . . ." My HOA were rather rude and nasty with me as they kept insisting for the first several days that the burned-out condo was my problem, not theirs. But after I started insisting they put their position, and their decision not to file a claim for me with the HOA master policy, IN WRITING, the tune suddenly changed.
I suppose "my" insurance company would have somehow fought it out with the HOA's master policy insurance company.
It just makes me uneasy as I feel the HOA Board was trying to pull a fast one on me by "refusing" to file a claim for me under the master policy. I tried talking to the master policy insurance company, but I can't file a claim directly with them myself as I am not the "actual" name on the policy, even though I am/can be a beneficiary of the insurance policy since my monthly dues goes towards paying for the insurance policy every month, and since I am covered under that policy as one of the owners of a condominium in that association.
When I talk to my "own" insurance (which covers my possessions in case of burglary, fire, etc., and also handles liability insurance), they tell me that my HOA's master policy is the one to rebuild the interior of my condo and to have the HOA file a claim with them. Of course, at first the HOA was refusing to file a claim, period. When I told my "own" insurance they said, "They're going down the wrong road . . ." My HOA were rather rude and nasty with me as they kept insisting for the first several days that the burned-out condo was my problem, not theirs. But after I started insisting they put their position, and their decision not to file a claim for me with the HOA master policy, IN WRITING, the tune suddenly changed.
I suppose "my" insurance company would have somehow fought it out with the HOA's master policy insurance company.
It just makes me uneasy as I feel the HOA Board was trying to pull a fast one on me by "refusing" to file a claim for me under the master policy. I tried talking to the master policy insurance company, but I can't file a claim directly with them myself as I am not the "actual" name on the policy, even though I am/can be a beneficiary of the insurance policy since my monthly dues goes towards paying for the insurance policy every month, and since I am covered under that policy as one of the owners of a condominium in that association.