I have not seen my HOA master insurance policy. Under directors' liability, what is usually covered?
My condo association board does not maintain the property, nor keep owners from digging up the common elements and planting their own gardens. We have four balconies falling away from the building which has been going on for years.
We have no designated reserve funds - only "savings" that can be used for anything, etc. Can I file a claim against the condo association board, or does this have to be done by an attorney?