Before changing insurance plans for the association, does the management company need to notify the board regarding options and provide them with info on the various plans so they can make an informed decision regarding whether they should stay with their current provider or change companies? Our management company did not renew our plan and went with another company without notifying the board. We saw the charge on the financials and asked what had happened. We were advised by our former company that the management company had not renewed the plan. I would think that the board should have been informed. When we questioned them they claimed they had discussed it with us when they never had.

Our board of directors refuses to give unit owners a copy of the master policy, and they will not make any appointments for a unit owner to go to the office to view it, either. Do we, as unit owners, have any recourse other than hiring an attorney on our own dime? Even the association's attorney won't do anything because he's in the pocket of the BOD..any help will be greatly appreciated..thanks!

I am selling my condo. The association has a reserve fund from our association dues. Recently we found that an insurance company had over charged us for several years. We were able to get the insurance company to refund the over charge. Am I entitled to a share of the the over charge in the form of a cash settlement of the over charge.

Our townhouse is on a lot with one other townhouse (so there are only 2 members in our HOA). We both now want to get separate homeowners insurance policies rather than staying with the joint HOA insurance policy that we have. Our insurance agent said we should have a signed agreement between the both of us that will supercede the HOA CC&R. Does anyone have a letter template for an agreement like this? Thanks!!

I'm in process of refinancing my condo which is part of a 26 unit complex.  Our bank requires a fidelity bond before I can close. Board of directors (5 individuals) have decided we don't need since our other insurance is sufficient. Now I'm going to lose a great interest rate and $362 a month savings. Anything I can do? I've even offered to pay the $650 to obtain the bond.

My neighbor (town-house community) had a slow leak from pipes in an adjoining wall. The water came through to my unit causing damage to the wall (water marks) and a wet, moldy carpet padding. The master insurance policy is covering the repair to her unit and to mine but apparently are expecting both of us to pay a deductible. Am I wrong in believing that I should not be responsible for payment of a deductible since it was not my leak that caused my damage?