---
title: New HOA member curious about filing insurance claims
description: I'm a new association member. Reading the blog, it looks like some HOAs are reluctant to file claims...perhaps they are savvy, protective, or lack some knowledge?
---

[Condo Q&A ](https://www.condoassociation.com/blog)

# [New HOA member curious about filing insurance claims](https://www.condoassociation.com/blog/new-hoa-member-curious-about-filing-insurance-claims)

 Written by [CondoAssociation.com](https://www.condoassociation.com/blog/author/condoassociationcom) | Thu, Dec 10, 2015 @ 11:30 AM

I am curious about how receptive association members are to filing claims with their condo's master policy.

How do you balance filing a claim that is not materially above the deductible? Does each small claim trigger a premium increase?

Also, is fault taken into consideration, such as a pipe freezing due to owner failing to maintain proper heat?

I'm a new association member. Reading the blog, it looks like some HOAs are reluctant to file claims...perhaps they are savvy, protective, or lack some knowledge?

[View full post](https://www.condoassociation.com/blog/new-hoa-member-curious-about-filing-insurance-claims)

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