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Over-paying for Homeowners Insurance?

Who Pays for Condo Damage From Events Like Hurricanes And Tornadoes?

My Condo's Articles, Bylaws and Rules and Regulations state that outside windows, sliders and doors are considered to be part of units and therefore unit owners are responsible for their repair and replacement. Probably your Condo's documentation says the same, and it will be claimed by your Boards that unit owners are responsible for paying for damage caused by hurricanes and tornadoes or other outside less-likely events.

Condo board wants me to pay for new windows

Today my condo board provided a notice of violation to me. The violation indicates that my windows open outwards and this is not allowed.  The previous owner has gotten the windows replaced without applying for a variance.  What can I do? I certainly do not have the financial resources to change the windows.

Condo building drain can cause water hazard in the winter

Our condo drain spout drains roof water directly onto the driveway leading directly to our garage door. This is a within the area getting into and out of our car or for guest to embark. The water pools and freezes. It is such a safety hazard just inviting falls on the ice. Checked with the county and city and they said they do not look at safety issues when building permits are issued regarding water downspout disbursement. Only require builder to install so water is dispersed 3 feet away from foundation. Who is responsible for the safety issue on the condo. I feel it is the association since they know that it is a common issue for many of the same condo floor plan. Does anyone have the same issue and how to solve.

Noise and sound dampening requirements for floors in condo associations

I recently bought a condo with HOA rules that state that if you rip up the carpet, you have to replace it with something of equal sound-damping quality. After moving in I discovered that my upstairs neighbors are the loudest walkers in existence. I don't want to complain to management without talking to my neighbors first but I did ask the MC is they could tell me how they manage condo renovations to make sure that they are compliant with the HOA. I was told that you bring them a form letting them know you are doing something, then they make sure it is compliant. She said that in her experience, illegal flooring does happen. I looked up the property records and the same people have owned the condo since the 1990s. I have no clue when the flooring was installed but thankfully no unknown secondary buyer is involved to complicate the issue (though I think the people upstairs might be renters). What exactly do I do? The person I bought the condo from installed a floating wood floor to be compliant. If no one has complained before, will the upstairs people get to keep their loud flooring just because they never got caught?

Why is our condo board re-painting all our buildings?

I live and own a condominium in Georgia. Georgia State law says the the board meeting minutes must be in detail. 

So here is the question. Our board of directors have decided to have all of our buildings repainted. They were painted with a lifetime paint about 7 years ago and most owners don't think they need to be repainted. This will be at a great expense paid from our reserves. 


Association refuses to fix hole in my ceiling

My condo is in California and a fire sprinkler pipe above my ceiling that supply multiple units is leaking. They cut a hole in the ceiling to repair the fire sprinkler leak but they are refusing to repair the hole they cut.

Need FEMA help to pay for flood damage to my condo unit

We were recently in the storm damage flooding and rain in Wisconsin. Our finished basement, family room, full bedroom, full bath, and small finished storage area sustained water damage due to the over-saturation of the rains. Our lower level had water damage seep up into the concrete floors and damaged carpeting, personal belonging etc. We found a crack in the foundation and in our egress window. The HOA will pay for fixing the foundation, however I have to pay to have my central air unit to be moved so they can fix it. Secondly, my personal Condo Homeowner insurance has denied all coverage for damages and destroyed items. I am waiting and hoping for help from FEMA, my HOA said if I get FEMA help I have to pay them back for fixing the basement. I am not sure what is what at this point any assistance would be appreciated. 

Running into problems with condo association after water damage

We are owners who live elsewhere and when we went to visit our condo, a leak has been occurring for several days/months. The cause was found to be a broken pipe in the ceiling. We started repair work right away. We contacted our Homeowners insurance who came the next day, provided an estimate for what they would cover and advised us to get an estimate for the part that is cover under the HOA insurance. We did that, tried to submit and the Treasurer refused to submit stating it would not be covered. Another 3 weeks go by until we have a HOA meeting at which time we informed the them that our lawyer (yes we contacted one and gave him our paperwork, By laws, declaration etc) at that time they stated they would submit. Insurance company asked for the receipts of what we had already paid out of pocket and the estimate for the other repairs, They covered all and sent a check to the Treasurer to reimburse us our out of pocket and to pay the repair contractor. So the HOA has a deductible and when the check came in it was the approval amount less the deductible. The treasurer decided when I asked for our monies due from the out of pocket that was covered, she refused stating that the deductible was being paid with the insurance check. I continued to try and reason with her that was not how it was done but she continued to refuse until I finally said that I would just contact our lawyer again. Finally was paid, now we submit the final draw for the work that was completed and she ignores the invoice for 3 weeks until I call the contractor about the second part or the reconstruction now and the contractor tells me they have not been paid and they would be placing a lien on our place. I contacted the treasurer and she now refuses to speak to us. This has started since April 24th and continues until now July 27, 2017. This women is stealing and tried to commit insurance fraud in my opinion and continue to cause us harm since we still have not had reconstruction repairs stated as the insurance company has approved for this second part of the claim and to which they sent her more money to pay to have it start. She even refuses to allow the insurance company to speak to us even though I am an officer of the board in addition to being an owner. What Now?

HOA needs to cover repair of roof damage

My Indiana HOA association for my condo that has failed to keep up repair on the roof (common elements) and now I have damage inside my condo on the ceiling. They say they don't have responsibility for anything inside the walls of my condo. My insurance won't cover because it was caused from the outside of my condo. What are my rights? Can I make them pay for the expenses" To top it off, I just received a bill stating that I have to pay them a $700 special assessment to pay for the bad roof they failed to repair because they haven't got enough resources set aside to do the repairs.

Toronto condo association tells owners to insure against water damage

I'm at 701 king street west Toronto Ontario, I recently saw water damage in my storage unit, which I rent at the summit in their basement. I have items that were damaged by the water crack found above my storage unit. I supplied photos of the damage and also of the items that were damaged. I was told by email today to open my own insurance policy to cover he cost of my items. I think this is the summits responsibility, since it is rented space. Please guide me on how I can prove my case since they always try to adjust to least responsibility. 

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