A
A550110
Guest
What is the name of your state? Texas
In my condominium complex each owner pays the insurance premium and Homeowners Association purchases Insurance on behalf of the owners in the name of Association. Please note that, according to Condo Declaration, Association is comprised of all owners not of 5 Board of Director.
In Jan 2000, I had hot water flooding in my condo which caused a damaged of approximately $15,000. Even though Texas Condominium Act as well as insurance policy states that the individual owner would be the beneficiary, insurance company gave the money to HOA.
Insurance adjuster brought his own contractor who had business relationship with HOA. He was not replacing the water soaked sheet rocks, instead was painting over it.
I replaced the contractor. Thereupon, HOA refused to give me the money for repairs. I had to borow money for emergency repairs which is accruing a high rate of interest.
Due to disrepair, mold has spread all over inside the condo. I was already unusually highly allergic to molds. By now molds has made me completely disabled and bed-rideen.
The flooding contnued for three hours and could not be stopped because water shut off valve was not functioning which was HOA's responsibility. All owners pay monthly fee for maintenance of every thing outside their units.
Even though my personal belonging of several thousand dollars was danaged in flooding which happened because of HOA's negligence, but HOA's liability company still refused to pay.
Question:
Most probably, I will have to go to court to recover the money because I can not afford to hire an attorney.
1 From among HOA, Property Management Company, Homeowners Insurance Company and Liability Insurance Company, Insurance Adjuster, His Contractor and the Local Insurance Agent, who should I name as defedants.
2 How should I calculate the amount of punitive damages and exemplary danmages. HOA's action was intentional and deliberate. It deliberately breached the contract between HOA and homeowners amd the Insurance Policy Contract.
Because of continuous molds inhalation I have been disabled for the past two years. I an confined in one room. During emergency repairs, kitchen was removed. Therefore, I have to bend over the bathtub numerous times a day to wash dishes etc. It has caused permanent pain in my lower back.
No one visits me because there is no room to sit down. I am confined in one room like a prisoner in solitary confinement.
During last year, my sister was diagonosed with cancer which later became terminal and eventually she died in May 2002. I could not go home overseas to see her because of this legal problem with HOA.
There are several other reasons that caused me mental anguish, depression, anxiety disorder and physical problems.
3 I addition to non-payment of insurance benefits, what other allegations should I write in my original complaint.
NOTE: If someone wants to take over this case, I will be more than happy.
In my condominium complex each owner pays the insurance premium and Homeowners Association purchases Insurance on behalf of the owners in the name of Association. Please note that, according to Condo Declaration, Association is comprised of all owners not of 5 Board of Director.
In Jan 2000, I had hot water flooding in my condo which caused a damaged of approximately $15,000. Even though Texas Condominium Act as well as insurance policy states that the individual owner would be the beneficiary, insurance company gave the money to HOA.
Insurance adjuster brought his own contractor who had business relationship with HOA. He was not replacing the water soaked sheet rocks, instead was painting over it.
I replaced the contractor. Thereupon, HOA refused to give me the money for repairs. I had to borow money for emergency repairs which is accruing a high rate of interest.
Due to disrepair, mold has spread all over inside the condo. I was already unusually highly allergic to molds. By now molds has made me completely disabled and bed-rideen.
The flooding contnued for three hours and could not be stopped because water shut off valve was not functioning which was HOA's responsibility. All owners pay monthly fee for maintenance of every thing outside their units.
Even though my personal belonging of several thousand dollars was danaged in flooding which happened because of HOA's negligence, but HOA's liability company still refused to pay.
Question:
Most probably, I will have to go to court to recover the money because I can not afford to hire an attorney.
1 From among HOA, Property Management Company, Homeowners Insurance Company and Liability Insurance Company, Insurance Adjuster, His Contractor and the Local Insurance Agent, who should I name as defedants.
2 How should I calculate the amount of punitive damages and exemplary danmages. HOA's action was intentional and deliberate. It deliberately breached the contract between HOA and homeowners amd the Insurance Policy Contract.
Because of continuous molds inhalation I have been disabled for the past two years. I an confined in one room. During emergency repairs, kitchen was removed. Therefore, I have to bend over the bathtub numerous times a day to wash dishes etc. It has caused permanent pain in my lower back.
No one visits me because there is no room to sit down. I am confined in one room like a prisoner in solitary confinement.
During last year, my sister was diagonosed with cancer which later became terminal and eventually she died in May 2002. I could not go home overseas to see her because of this legal problem with HOA.
There are several other reasons that caused me mental anguish, depression, anxiety disorder and physical problems.
3 I addition to non-payment of insurance benefits, what other allegations should I write in my original complaint.
NOTE: If someone wants to take over this case, I will be more than happy.