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by nomore on December 7th, 2005

nomore

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A tree fell on my property and caused damage to the shingles and other items before I moved into the home. The HOA hasn't done anything to repair these problems. Is the HOA responsible for fixing this damage?

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Answers. 3 helpful answers below.

  • by Anonymous on July 30th, 2009

    Anonymous

    If you know who the insurance carrier is, you can call them up and ask to file a claim. The insurance carrier should deny the claim (since you are not the policy owner) but some are so lazy and dumb that they'll pay it without authorization from the HOA.

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  • by vinc3nt on January 21st, 2007

    vinc3nt

    There is a situation where the HOA is responsible for repairing exterior damage and sometime interior damage, when your home is a condominium. The individual owners are responsible for insuring their interior walls, but the HOA holds the insurance policy for all common property such as the exterior roof and walls. Interior damage condo owners' property arising from a damaged roof due to wind and rain may then also be covered by the HOA policy. Condo owners need to be well informed about the HOA policy to select their own coverage correctly.

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  • by jalex137 on December 19th, 2005

    jalex137

    I doubt that the HOA has any responsibility here. The responsibilty will lie with the owner at the time the tree fell. That is, if it fell after the closing, you were the owner, and you will be the one to get it fixed. Hopefully, you insured the house at the time of closing, and can get help from your insurer. If the tree fell before closing, the previous owner should have fixed it, or adjusted the selling price to compensate you.

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