Q.   Does the Master Deed section Maintenance, Replacement, and Repair have anything to do with insurance coverage?
A.    No.  This applies to maintenance of items that wear out which insurance commonly excludes.

Q.   How do I handle damage from losses that begin in one unit and then damage another unit?
A.    First report the claim to either your property manager if applicable, or the association insurance company and to your personal insurance company.  If the unit owner where the loss began is negligent, then his personal insurance may ultimately reimburse your insurance company.  If negligence is clear, his company may pay outright but negligence is often difficult to prove.

Q.   If my association is responsible for building items inside my unit but the association policy has a larger deductible than my personal insurance deductible, can I submit the claim to my company?
A.    You can purchase any limit of building coverage on your personal insurance policy but it is imperative before doing so to confirm with your insurance agent that your policy will respond on a primary basis for losses defined by your Master Deed to be insured by the association.

Q.   I belong to a two unit association and have received a claim check in the name of the association.  How do I deposit this check as we do not have a bank account in the association name?
A.    Although it is always best to have an association bank account, you may have both unit owners endorse the check to our agency and we will reissue an agency check to you.