I am having problems with gathering insurance information from my Texas HOA, related to claims around water damage.
After three days of heavy rains, I smelled mold in one of our storerooms. Upon further investigation, I found that the first three feet of carpet from the wall was sodden, and had to throw away many of the items in the room. I then spent 12 hours drying out the room with a home carpet cleaner, but the water kept coming back and was starting to think that it was coming from the concrete floor.
When I had moved in a long time ago, the grass in front of the house formed a mound. The soil must have washed back over time, and additional soil for landscaping was added by the HOA, resulting in the soil being built above the level of the weep holes. The HOA remedied the issue by reducing the soil level. However, no my AC unit sits above ground and each rainfall reduces the amount of soil under it, leading to another potential liability.
The HOA had not rectified the initial issue on the inside, simply moving my things back after just under two weeks. As well, they are not willing to pay me for my time to dry out the room, check the wall for mold, and let me off the home maintenance dues until the issue has been resolved. They will only pay to have the carpet put back down and cleaned.
I’ve asked the HOA for their insurance details, but they refuse to give them to me. There are several additional issues the HOA has worked on that have all turned into liability issues and I need to inform the insurance company. I’ve recently spoken with the HOA’s insurance broker, who also refused to give me the details, stating that her hands were tied if the HOA does not give her permission. Thus, even though the insurance company’s liability has increased, I am being prevented of informing them of this.
As the issue was a result of negligence from my HOA, how can I get the insurance company’s information in order to have them handle the claim from here? I do not carry contents insurance, so I don’t have an insurance company to fight theirs.