Hoa Covers Roof

Your homeowners association board might like to play at being tyrants but here s a line it can t cross.

Hoa covers roof.

The hoa s master policy should provide coverage in the event of damage to the parts of the property shared by all owners such as roofs common walls lobbies or atriums stairways elevators basements fitness centers and pools ponds or lakes playgrounds and clubhouses. However not all hoa take responsibility for all aspects of property maintenance. People often get mixed up on hoa and condo regime issues and this issue normally applies in a condo regime says jeff vinzani an attorney in charleston s c who represents associations. The policy covers common areas and shared features such as the roof exterior.

And slipping hoa rules in under the cover of darkness is a big no no. In a condo the roof and building itself belong to all the owners as a common element. Hoa needs to cover repair of roof damage. My insurance won t cover because it.

Most homeowners insurance policies won t pay to replace or. Every hoa community is different. Homeowner associations commonly known as hoas provide hazard and liability insurance as part of your monthly dues. What do hoa fees cover.

My indiana hoa association for my condo that has failed to keep up repair on the roof common elements and now i have damage inside my condo on the ceiling. When house hunting it s vital that you request a copy of the hoa s rules and regulations known as the covenants conditions and restrictions from the seller so you don t end up joining an association that is more restrictive than you want and so you know what kinds of services to expect your monthly dues to cover. The iii explains that while the hoa s master policy covers common areas including your roof condo insurance is meant to help cover damage that might occur inside the unit. You will need to look at your specific agreement to determine if the hoa should be paying for roof repairs.

A condo policy may help cover repairs if water leaks through the roof and into your unit. If the leaks are coming from the outside that would typically be. They say they don t have responsibility for anything inside the walls of my condo.