What is the name of your state (only U.S. law)? CA
I had a fire in my condominium which started in my clothes dryer within my unit. There was nothing blatantly faulty with the dryer, the fire department's report labeled the fire unintentional, and my own condo owner's insurance's fire inspector took the dryer away to see if they could determine the cause. He said preliminarily that it didn't appear that there was a build-up of lint in the back or venting hose of the dryer.
Interior of my condo is a total loss (my condo owner's insurance's words). All of my possessions a total loss, which of course is covered under my own insurance. The homeowner's association holds the Master, or Blanket policy on the condominiums and according to my own insurance, they would be considered the primary for rebuilding/reconstructing the interior of my condo - the ceiling, floor, walls, cabinets, and built-ins (dishwasher, stove), plumbing, electrical, etc. The only structural damage was to a roof truss, damaged by the firemen when they were ventilating the attic.
I contacted our property management company, who told me to call the HOA's Master Blanket policy holder. When I called them, they told me the HOA "wasn't going to file a claim for my condo." When asked how or why they could decide such a thing, they were evasive. Then one of the board of directors of the HOA called me to tell me (basically) how misinformed I was, that the blanket fire/casualty insurance wouldn't cover the damage to my unit which was basically just my own interior ceiling, walls, floors, built-ins, cabinets, etc. none of which were "improvements" upon the original, existing condo unit.
When I asked the board member to please put that decision of the HOA's not to file a claim on the master blanket policy in WRITING, a got a lot of hemming and hawing. I also asked the Property Manager to put the decision in writing. He also hemmed and hawed. After a few days, the Property Manager called me and told me they were ready, willing and able to start getting estimates on reconstructing my condo.
In the CC&R's, unit owners are PROHIBITED from having their own fire/casualty insurance on their units; they are encouraged to have insurance on their possessions and their own individual liability insurance.
What's going on here? How did they go from "not our problem" to "we're ready, willing and able to get started . . ." As far as I know, since we all get our mortgages approved based on the fact that the HOA has blanket fire and casualty insurance on each of our units, and we are prohibited from having our own, individual fire/casualty insurance, the HOA's master policy always WAS responsible for rebuilding my condo.