Condo; insurance claims

[lindach]

Owner of one unit rents condo. Condo has been vacant. Owner claims vandalism and claims against Association Insurance. Owner has secondary rental insurance. Neighborhood watch states that vandalism claim is a lie. Owner did not comply with condo by-laws in allowing inspection of the unit. Owner also vilated by-laws by making the insurance claim personally, instead of going through proper channels. What advice can you offer the Association Board in handling this claim.? The Board wants to submit a letter of denial to the insurance company. Can we do this? State of Louisiana. Also, do we have the right to amend our by-laws by insisting that rentals carry rental coverage and that this coverage is primary for damages? This is the first rental unit we have had to contend with, so we are addressing new issues.

 

[LL]

I don't know what a letter of denial is, or how that figures iknot the process of the insurance company evaluating a claim.

I don't think that there would be anything wrong with the hOA submitting a letter to the insurance company, giving their opinion and listing what they truthfully know about the case: it could include a letter from the neighborhood watch with their truthful opinion, telling what they know, you could tell about the lack of cooperation of the homeowner with the association in investigating the claim, etc. If I am not mistaken, it is the insurance company that will decide if to pay the claim or nor, and it is their responsibility to carry out their own investigation and make their own decision.