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You gotta read the policy, and read the CC&R's* for that specific unit in that association.
We are typically responsible for "what the unit owner is responsible for"
and in some ways that answer is in the homeowner assoc. doc's (not the policy).

These type of assignments typically require that you make a copy of the relevant pages of the Assoc Doc's, even if they didn't ask you to.

In this past year I have paid for carpet in 2 unit owners (HO-6) but have never paid for a roof repair.  But you may find yourself on the roof to see if an opening was created for the water to enter (if they are claiming personal property dmg)

Some of the HOA docs are crystal clear, in terms of who is responsible for what. Others can be very, very vague.  I used to think we would never pay for drywall on an HO-6 but have been advised to pay it on occasion. 

*covenants, conditions, and restrictions  per this reference:
http://www.nolo.com/dictionary/cove...-term.html

A set of rules, commonly called "CC&Rs," that governs the use of real estate, usually enforced by a homeowners' association. For example, CC&Rs may tell you how big your house can be, how you must landscape your yard, or whether you can have pets. CC&Rs "run with the land," meaning any subsequent owner must also abide by them. Most state laws require that a copy of the CC&Rs be recorded with the county land records office and be provided to any prospective purchaser. 

Except for states with statutes which dictate, Mr. Bob answered the question  perfectly.  

I do not know your background, and please do not take this as an insult, but this a very basic adjusting question and a perfect example of why one should work as a staffy for a carrier or large IA for a couple of years so you can get a good understanding of what you need to correctlly handle a claim.

Yep. I was very fortunate to find work for much of this year.
Still paying off dept from some earlier lean years though...

Debbie with Citizens in Florida had a class on this subject about 3 years ago when she had Claims Mentor. She was with State Farm for 32 years as a catastrophe manager and an expert on condo's If any old members could post her lesson on this site. It would be appreciated by hundreds or thousands.

It was the most concise-precise post I have ever seen on a lesson.

I understand that an HO-6 is a Named Peril policy. Do you know of anyway to make it a special form? I am in California. I have an Insured who hired a carpet cleaner who ended up ruining her carpets and drapes as he used too much water. The drapes soaked up the water from the carpet. The adjuster denied the claim and the "carpet cleaning company"  denied the claim, as there was no coverage for "work completed" on their policy.

Time to seek legal council against the "carpet cleaning company".

Posted By cfisher on 05 Nov 2009 12:13 PM

I understand that an HO-6 is a Named Peril policy. Do you know of anyway to make it a special form?

 

HO 17 32 04 91 converts the HO 00 06 (all editions) which is a Named Peril Policy to "All Risk of Physical Damages" unless specifically excluded.
 

However, the Personal Property portion is still Named Peril Coverage. In this senerio, are drapes building / additions and alterations or personal property?

Looking at the liability for the cleaner - I would argue the loss did not occur after the cleaner left, but instead, it first occurred while the cleaning tasks were performed. Then it continued to "wick up" after he left. Completed Operations denial would then result in a bad faith situation. 
 

Posted By Ray Hall on 02 Nov 2009 07:00 PM

Debbie with Citizens in Florida had a class on this subject about 3 years ago when she had Claims Mentor. She was with State Farm for 32 years as a catastrophe manager and an expert on condo's If any old members could post her lesson on this site. It would be appreciated by hundreds or thousands.

It was the most concise-precise post I have ever seen on a lesson.

 

Yes Debbie did a great job, but that lesson is no longer valid if the Association Insurance Policy has renewed in 2009. By 2010 all associations will abide by the revised Statutes.

 

Our lawmakers have been busy and the Florida Statutes have been revised as following:

 

This is from Chapter 718.111 Sub-paragraph (11) Insurance

 

(f)  Every hazard insurance policy issued or renewed on or after January 1, 2009, for the purpose of protecting the condominium shall provide primary coverage for:

 

1.  All portions of the condominium property as originally installed or replacement of like kind and quality, in accordance with the original plans and specifications.

 

2.  All alterations or additions made to the condominium property or association property pursuant to s. 718.113(2).

 

3.  The coverage shall exclude all personal property within the unit or limited common elements, and floor, wall, and ceiling coverings, electrical fixtures, appliances, water heaters, water filters, built-in cabinets and countertops, and window treatments, including curtains, drapes, blinds, hardware, and similar window treatment components, or

replacements of any of the foregoing.

 

So, another class is in order. We are putting one together right now, and are getting it certified as legal hours for CE opportunities here in the Florida Panhandle. It will address these questions: What about baseboards, interior doors, casing, crown and chair trim, commodes, pedistal sinks, showers, bath tubs. These items were the unit owners responsibility to insure, now the Association must.

 

Thank you lawmakers.

Posted By descher on 31 Oct 2009 04:47 PM

What items would be covered on this policy (USAA HO6)?  There is Contents and Loss of Use coverage listed on the loss notice.  I assume this is a paint inward type policy.  No roof inspection would be needed correct?  Just check for water damages to the unit owners personal items?  Is carpet a covered item as well?

Thanks for the help in advance!

Dave.

 

To answer your question, USAA normally attaches HO 17 32 to convert to all risk coverage. If this is the case then coverage is triggered. If not, damage to the exterior by a covered cause of loss must first occur. "Leakers" will be excluded.

It appears the Declaration of Insurance is not in your possession, since you reference "loss notice". It appears USAA has engaged your services as a damage appraisal and not full adjustment. I would write the damages and submit to the examiner for adjustment.

If the Declaration has been provided and you are full adjustment, then the Statein which you are located in must first be known to answer your question. If you are in Florida, the statutes prevail. If you are in a state where statutes do not prevail. The Declaration of Condominium will need to be reviewed.

Look in the "Insurance Section", usually around chapter 10, 11 or 12. Many get confused by reading the Maintenance Section. Keep in mind, a claim is not a maintenance issue, it is a catastrophe of some level, thus the Insurance Section prevails.

 

 

Posted By Leland on 06 Nov 2009 08:37 PM
I also wanted to comment on the personal property vs. Building property question. One carrier I know considers custom drapes (especially those that fit an odd size window) are building property. Drapes that are standard size ("off the rack") are personal property. They would, however, switch that thinking around of it was better for the insured.

If you are talking about a condo, the drapes are Personal Property, as mandated by many by-laws. In Florida = Personal Property, never building as per Statute. But lets say they were installed by the builder and part of the original purchase when the unit was new and you are in a state other than Florida, read the Declaration of Condominium under the definition section.