Value Buy
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Post by Value Buy on Apr 12, 2019 14:40:28 GMT -5
If she’s got a mortgage there’s got to be insurance. The mortgage company would insist on it. It’s probably through them so very expensive. I have to assume Ava's year end mortgage statement she receives for tax purposes showing interest and taxes paid on the unit, would also show the annual payment to the insurance company, if the payment is through the mortgage comany. I am thinking for some reason, whatever reason, she does not have any insurance through the mortgage company. She should also be receiving at the minimum, an annual statement from the homeowner insurance company showing her bill paid in full, and what the value of the homeowner insurance is worth (Total value of the unit, deductions, etc). It is obvious Ava is pretty sure she has no insurance, and it looks like a major mistake by a couple of organizations.
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Value Buy
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Post by Value Buy on Apr 12, 2019 14:45:14 GMT -5
I'm actually not sure at all why the property manager would get involved to ever give Ava the property management's insurance. Sounds like this has nothing to do with them (other than the fact they don't want a claim via the other homeowner's policy because it will presumably impact their rates). Can someone explain why the property manager would owe Ava anything here regarding insurance (or even just regarding anything, how is any of this the property management's problem?). I think she might be confusing property manager with the HOA management company, or they might be the same thing. The HOA management company runs the day to day operations of the codo association and reports to and takes direction from the HOA board of directors. The HOA management company is the company she should be dealing with for all information about HOA INSURANCE POLICIES.
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hoops902
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Post by hoops902 on Apr 12, 2019 14:48:41 GMT -5
I'm actually not sure at all why the property manager would get involved to ever give Ava the property management's insurance. Sounds like this has nothing to do with them (other than the fact they don't want a claim via the other homeowner's policy because it will presumably impact their rates). Can someone explain why the property manager would owe Ava anything here regarding insurance (or even just regarding anything, how is any of this the property management's problem?). I think she might be confusing property manager with the HOA management company, or they might be the same thing. The HOA management company runs the day to day operations of the codo association and reports to and takes direction from the HOA board of directors. The HOA management company is the company she should be dealing with for all information about HOA INSURANCE POLICIES. Yes but neither seems relevant here. This doesn't seem like an HOA insurance thing, it's the insurance of the neighboring townhome owner. This isn't something that was caused by an area covered by the HOA insurance.
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Value Buy
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Post by Value Buy on Apr 12, 2019 14:52:19 GMT -5
They have to repair what's damaged "studs in". She's responsible for "studs out" damage. There has to be an insurance policy for her in place if she has a mortgage, even if it was with the same carrier as the property owner. In fact, if they used the same carrier, the mortgage company should have the comtact info for the carrier and likely has the policy details as they would have required insurance to close on the loan. I'm clearly not an expert on townhome/hoa insurance type stuff...but isn't the other townhome owner's insurance responsible for the studs-in on Ava's home (I think that's what you're already saying), and wouldn't the HOA be responsible for the "studs out" stuff (by going through that same person's insurance, but isn't that not Ava's responsibility at all since it's the HOAs responsibilty)? I believe "Studs in" are the actual studs in the wall minus the drywall, etc, and may possibly only include the exterior walls the are part of the adjoining units. I believe "Studs out" refers to the actual drywall on the studs. That belongs to the unit owner. If the damage is on an exterior wall around doors or windows, where water enters, the HOA might be liable for the interior drywall damage, but I am not sure about this.
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Ava
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Post by Ava on Apr 12, 2019 14:52:43 GMT -5
We have a management company. The manager let's call him A, called me begging not to submit a claim with the flooded unit owner's insurance because a claim will raise our premiums again. A said even if the claim is not with the association insurance it would still raise the rates
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TheOtherMe
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Post by TheOtherMe on Apr 12, 2019 14:54:56 GMT -5
We have a management company. The manager let's call him A, called me begging not to submit a claim with the flooded unit owner's insurance because a claim will raise our premiums again. A said even if the claim is not with the association insurance it would still raise the rates That isn't your problem. You need to get your unit fixed.
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hoops902
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Post by hoops902 on Apr 12, 2019 14:55:31 GMT -5
We have a management company. The manager let's call him A, called me begging not to submit a claim with the flooded unit owner's insurance because a claim will raise our premiums again. A said even if the claim is not with the association insurance it would still raise the rates Right, I think we've got that part. The confusion is why you're having trouble getting that person to give you the HOA insurance information, because what you need is the owner's information from the neighboring unit. I get why that guy doesn't want you to submit a claim even through someone else's insurance....what I don't get is why you're calling that person, why you're asking that person for their insurance information, why you're doing ANYTHING related to the management company instead of dealing with the owner of the neighboring unit that caused the issue. I don't understand why you're having any interaction at all with this person at this point.
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souldoubt
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Post by souldoubt on Apr 12, 2019 14:56:23 GMT -5
I live in a townhouse and one of the neighbors I share a wall with has been there for over 30 years. For many years she was on the HOA board and in charge of overseeing maintenance/repairs that the HOA is responsible for. Based on multiple discussions with her my understanding has always been that the HOA and their insurance covers things outside of the unit that the HOA is responsible for - roof, fascia, public areas, etc. Anything inside the unit is my responsibility and I assume that if anything happened between my neighbors and I that share walls it's between our insurance companies. Obviously this could vary depending on the CC&R's or maybe even from state to state but just wanted to give my 0.02.
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GRG a/k/a goldenrulegirl
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Post by GRG a/k/a goldenrulegirl on Apr 12, 2019 14:58:13 GMT -5
I called the association manager and had a very violent discussion with him. He refused to give me the insurance details and tried to guilt me into not filing. I told him I need someone to assess my condo. He said if he has to send someone he'll charge me for it. I had to stand really firm He said he'll call me in 1/2 hour with the name of someone for an appointment That was an hour ago You do not want the association manager to check out thedamage to the condo. First, I don’t think the association has any responsibility to repair your unit. The owner of the unit where the jerk who got evicted MIGHT have some responsibility to do so. But, the condo association did not cause the damage. Typically (maybe Connecticut is some weird exception) the association buys a policy to insure the “shell” of your unit and the common areas. The owner of each unit insures their own unit — from the exterior walls inward. So, I can partly understsnd why the property manager doesn’t want to give you the insurance info or for you to file a claim against the association policy — the association did not cause the damage AND the damage is all inside your “shell” thereby your responsibility to insure. At most, you MIGHT be able to claim the wall you share with the next door unit is part of the shell. Again, usually, when these things happen you just call your own insurance company and they take care of clean up and repairs and figure out who should pay for it all. Since you don’t have your own insurance, you should see if there is a public adjuster who will take your claim on. They will sort it all out for you but it will cost you about 30% of your claim total (paid from the money an insurance company pays in the claim). You should also call a lawyer who practices insurance or tort law. Good luck. Get your own insurance, today.
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GRG a/k/a goldenrulegirl
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Post by GRG a/k/a goldenrulegirl on Apr 12, 2019 15:02:58 GMT -5
It appears Hoops and I are on the same page. The condo association has nothing to do with your damage,
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GRG a/k/a goldenrulegirl
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Post by GRG a/k/a goldenrulegirl on Apr 12, 2019 15:06:18 GMT -5
You also don’t want anyone but someone YOU hire to evaluate the damage. No one who works for the condo association, its manager, or the neighbor is going to give you a truthful and/or accurate damage report.
I can’t tag anyone from my phone — can someone tag Palm Beach Paul (or whatever he is calling himself these days) to see if he can recommend a public adjuster in Connecticut?
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Ava
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Post by Ava on Apr 12, 2019 15:14:15 GMT -5
I'm done interacting with the manager A. I'm going to chase down the flooded unit owner this weekend and try to get his insurance information so I can put a claim through them asap.
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Chocolate Lover
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Post by Chocolate Lover on Apr 12, 2019 15:18:07 GMT -5
Any chance you got a copy of the police report and that the neighbor's insurance might be listed there?
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GRG a/k/a goldenrulegirl
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Post by GRG a/k/a goldenrulegirl on Apr 12, 2019 15:19:04 GMT -5
I'm done interacting with the manager A. I'm going to chase down the flooded unit owner this weekend and try to get his insurance information so I can put a claim through them asap. Be prepared that the owner of the flooded unit won’t be cooperative either. I’m sincerely not trying to be a biotch here, but, because you don’t have your own insurance YOU are most likely going to have to clean up and repair your own unit and then sue your neighbor to get reimbursed. Fingers crossed for you...
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GRG a/k/a goldenrulegirl
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Post by GRG a/k/a goldenrulegirl on Apr 12, 2019 15:32:56 GMT -5
Also, you have a duty to mitigate your own damages. At a minimum, start drying carpets and furniture out.
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Ava
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Post by Ava on Apr 12, 2019 15:39:11 GMT -5
Also, you have a duty to mitigate your own damages. At a minimum, start drying carpets and furniture out. I've been doing that since the first day
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giramomma
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Post by giramomma on Apr 12, 2019 15:43:12 GMT -5
Ava needs to find her Condo association docs and read through them...to see exactly what her insurance covers. Our condo association actually covered our water heater, which I thought was strange, because the water heater is not a roof, exterior siding, or a communally used area. I'm pretty sure each unit had their own water heater. There was also weirdness about porch maintenance when we had our condo. I don't remember what, anymore, because it's been a decade.
Likely, though, I think she'll be responsible for paying for all the damage that occurred to her residence.
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justme
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Post by justme on Apr 12, 2019 15:52:03 GMT -5
Ava needs to find her Condo association docs and read through them...to see exactly what her insurance covers. Our condo association actually covered our water heater, which I thought was strange, because the water heater is not a roof, exterior siding, or a communally used area. I'm pretty sure each unit had their own water heater. There was also weirdness about porch maintenance when we had our condo. I don't remember what, anymore, because it's been a decade.
Likely, though, I think she'll be responsible for paying for all the damage that occurred to her residence. Yeah, there's basics that seem to be more or less the same with condos - studs-in or studs-out - but then there's a lot spelled out in the condo docs that determine who's responsible for what. Like right now my HOA is responsible for all the drywall - but not the paint or texture on the drywall. There's been talk about them wanting to change it so they're not responsible for the drywall either unless it's a common area like halls and such.
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CCL
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Post by CCL on Apr 12, 2019 16:01:28 GMT -5
IIRC Bonny had an issue similar to this at one time. Maybe she could share some of her knowledge?
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Tiny
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Post by Tiny on Apr 12, 2019 16:03:09 GMT -5
If Ava's condo building has shared "home owners insurance" where everyone pays for everyone's "home owners insurance" purchased thru the HOA (and paid for by HOA fees) - she wouldn't really need to go after the neighbor to find out the info she needs. The neighbor probably has no idea about who to contact either. She needs to hound the HOA people -OR maybe find the last 'yearly statement' from the HOA that should show how much was paid for the insurance and quite possibly the Insurance company (and possibly the contract/policy that's in force).
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Tennesseer
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Post by Tennesseer on Apr 12, 2019 16:17:44 GMT -5
I'm done interacting with the manager A. I'm going to chase down the flooded unit owner this weekend and try to get his insurance information so I can put a claim through them asap. Ava-if you can access your mortgage information from your mortgage provider via the internet, please look into it ASAP to see what charges are included in your monthly mortgage payments. Please look into it and see if you are paying a fee for condo insurance or any other type of insurance. It is very important to know if you are or are not. If you are paying for insurance, contact that insurance company ASAP too and let them know what is going on and what you and they should do. Please.
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Ava
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Post by Ava on Apr 12, 2019 16:46:24 GMT -5
I'm done interacting with the manager A. I'm going to chase down the flooded unit owner this weekend and try to get his insurance information so I can put a claim through them asap. Ava-if you can access your mortgage information from your mortgage provider via the internet, please look into it ASAP to see what charges are included in your monthly mortgage payments. Please look into it and see if you are paying a fee for condo insurance or any other type of insurance. It is very important to know if you are or are not. If you are paying for insurance, contact that insurance company ASAP too and let them know what is going on and what you and they should do. Please. I already looked I'm paying for principal, interest and tax escrow. That's it
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Bonny
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Post by Bonny on Apr 12, 2019 18:42:49 GMT -5
IIRC Bonny had an issue similar to this at one time. Maybe she could share some of her knowledge? I had flooding both into and from my unit but I was insured. Like her, my mortgage company didn't require it but I did it anyway mainly due to liability.
Ava needs to get a water damage licensed contractor out to assess the damage and air out the place. It won't be cheap and she'll need to make a demand against the neighbor's insurance. If he won't cooperate she'll have to sue.
Sorry about the situation, Ava.
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Works4me
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Post by Works4me on Apr 12, 2019 18:54:37 GMT -5
" Ava" "I already looked I'm paying for principal, interest and tax escrow. That's it" What about your HOA payments- what do those specifically cover? Also, please follow Bonny's recommendations. She has been through this more than once and knows what she is talking about. I am so sorry that you are going through this.
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CCL
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Post by CCL on Apr 12, 2019 19:11:57 GMT -5
IIRC Bonny had an issue similar to this at one time. Maybe she could share some of her knowledge? I had flooding both into and from my unit but I was insured. Like her, my mortgage company didn't require it but I did it anyway mainly due to liability.
Ava needs to get a water damage licensed contractor out to assess the damage and air out the place. It won't be cheap and she'll need to make a demand against the neighbor's insurance. If he won't cooperate she'll have to sue.
Sorry about the situation, Ava.
Thanks Bonny. So it's possible to not carry insurance on the unit even if it's not paid off? I've never heard of that before. Even when I was a renter I always insured my belongings and carried liability insurance.
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NastyWoman
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Post by NastyWoman on Apr 13, 2019 11:15:34 GMT -5
I had flooding both into and from my unit but I was insured. Like her, my mortgage company didn't require it but I did it anyway mainly due to liability.
Ava needs to get a water damage licensed contractor out to assess the damage and air out the place. It won't be cheap and she'll need to make a demand against the neighbor's insurance. If he won't cooperate she'll have to sue.
Sorry about the situation, Ava.
Thanks Bonny. So it's possible to not carry insurance on the unit even if it's not paid off? I've never heard of that before. Even when I was a renter I always insured my belongings and carried liability insurance. Maybe it's a state thjng. I mentioned before that my mortgage also didn't require it and she and I are in the same state. Actually to be more complete, our properties are in the same state.
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bean29
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Post by bean29 on Apr 13, 2019 11:39:47 GMT -5
She has a Bachelor’s and a Master’s and is a CPA and works at a bank. Her English is fine. You can have degrees up the ass and still not seem smart. That is exactly what my daughter said last night, except she said sometimes really smart people can be so ... DH is an agent too, he says the other owner’s insurance will not pay for Ava’s damage b/c it was vandalism. He said in a situation like this, the insurace companies say everyone’s insurace covers their own unit. If she does not have an insurance policy, she is sol.
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andi9899
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Post by andi9899 on Apr 13, 2019 13:27:26 GMT -5
We have a management company. The manager let's call him A, called me begging not to submit a claim with the flooded unit owner's insurance because a claim will raise our premiums again. A said even if the claim is not with the association insurance it would still raise the rates Right, I think we've got that part. The confusion is why you're having trouble getting that person to give you the HOA insurance information, because what you need is the owner's information from the neighboring unit. I get why that guy doesn't want you to submit a claim even through someone else's insurance....what I don't get is why you're calling that person, why you're asking that person for their insurance information, why you're doing ANYTHING related to the management company instead of dealing with the owner of the neighboring unit that caused the issue. I don't understand why you're having any interaction at all with this person at this point. The occupant of the neighboring unit is a renter. His renter's insurance will not cover an intentional act. The unit owner's insurance will pay the claim for the studs in portion of the loss and subrogate and try and recover their money from the renter. Ava needs to use her insurance for the studs in portion of the loss. Her insurance company will then subrogate also against the renter. If they get anything back, that momey will first go to refunding her deductible. She needs to just call the mortgage company and get the policy numbers and carriers for the companies involved and stop entertaining the property manager.
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geenamercile
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Post by geenamercile on Apr 13, 2019 17:08:42 GMT -5
I think since Ava doesn't have insurance, if the landlord insurance company isn't going to cover it she will need to pay for it herself and then sue the renter herself.
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TheHaitian
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Post by TheHaitian on Apr 13, 2019 17:47:40 GMT -5
I think since Ava doesn't have insurance, if the landlord insurance company isn't going to cover it she will need to pay for it herself and then sue the renter herself. Why bother with the renter... go after the deep pockets : the landlord. Or both!
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