How rugged is it to seize a insurance company to money for hurricane mess up, I own a cracked tile roof?
I want to find out if the homeowners association is responsible for repairs, it is a townhouse community
Answers:
Your Homeowners policy is what you need to look at, the HOA's policy will cover individual common areas resembling parks, grounds, fences, etc., but for your own home it may not. If contained by Florida your Homeowner's policy should have a windstorm endorsemant to the policy which carry a mandatory deductible. Also you can got to the Florida Department of Financial services website fldfs.com and gain information there, the FLDFS is the state agency that regulates insurance within Florida.Good Luck...If your not in Florida check near the regulatory agency for your state.
I wish you luck on this. My home be damaged contained by April in a tornado. The insurance company tried to speak that most of the stuff that happened be before the tornado. I kept after the insurance company and finally get my money.
The homeowners association would be responsible for repairs only if it is also responsible for the overall structure of your townhouse community. Do you live within an HOA or condominium corporation? If so, there should be an overall insurance policy for the structure of the building(s). That policy would be responsible for the roof repair, as long as the association or condominium corporation have hurricane insurance!