How hard is it to get a insurance company to pay for hurricane damage, I have a cracked tile roof?
I want to find out if the homeowners association is responsible for repairs, it is a townhouse community
The homeowners association would be responsible for repairs only if it is also responsible for the overall structure of your townhouse community. Do you live in an HOA or condominium corporation? If so, there should be an overall insurance policy for the structure of the building(s). That policy would be responsible for the roof repair, as long as the association or condominium corporation has hurricane insurance!
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The homeowners association would be responsible for repairs only if it is also responsible for the overall structure of your townhouse community. Do you live in an HOA or condominium corporation? If so, there should be an overall insurance policy for the structure of the building(s). That policy would be responsible for the roof repair, as long as the association or condominium corporation has hurricane insurance!
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Writer for InsuranceGuide101.com
I wish you luck on this. My home was damaged in April in a tornado. The insurance company tried to say that most of the stuff that happened was before the tornado. I kept after the insurance company and finally got my money.
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Your Homeowners policy is what you need to look at, the HOA's policy will cover only common areas like parks, grounds, fences, etc., but for your own home it may not. If in Florida your Homeowner's policy should have a windstorm endorsemant to the policy which carries a mandatory deductible. Also you can got to the Florida Department of Financial services website fldfs.com and get information there, the FLDFS is the state agency that regulates insurance in Florida.Good Luck…If your not in Florida check with the regulatory agency for your state.
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Licensed Agent and Claims Adjuster in Florida