When Your HOAs's Insurance Leaves You Exposed After Damage

Your HOA's master policy usually covers common areas and the building's structure, but it may not cover the inside of your unit, your personal belongings, or improvements you've made. Read the declaration and bylaws to see exactly what is included. If the damage is to your drywall, flooring, or cabinets, that may be your responsibility.

The HOA's insurance might have a deductible that you must pay, or it may cover only the original construction, not upgrades. Ask your HOA board for a copy of the policy and review it carefully. Knowing what's excluded helps you plan your next steps.

• Check if the policy covers interior finishes like paint and flooring
• See if it includes appliances and fixtures in your unit
• Look for exclusions for water damage from leaks or floods
• Note the deductible amount you might owe
• Find out if the policy covers loss of use while repairs happen

Take photos and videos of all damage before any cleanup. List every damaged item, including furniture, electronics, and personal items. Keep receipts for any emergency repairs you make, like shutting off water or covering a broken window.

Save all communication with your HOA and any insurance adjusters. Write down dates and times of conversations. This documentation helps if you need to file a claim or dispute a denial.

Contact your HOA board to clarify what they will handle and what they expect you to do. Ask for written confirmation of any coverage decisions. Then call your insurance company to file a claim for your personal property and interior damage.

Be honest about the cause of the damage and provide all documentation. If you feel unwell from mold exposure, see a doctor. The pros can help with cleanup, but you need to know your financial responsibility first.