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Take your evidence and your claim to the board, and work with them to determine which insurance company pays for the damage, yours or the master policy that covers the association.

Depending on the value of the damages, it could be covered by an amount which is less than the deductible.

Update: Management company , which hired roofing contractors, tried to make it an issue between the roofing company and us, the condo owners who were damaged. They just didn't want to "get involved." Too bad: The management co/HOA hired the contractors and thus THEY were responsible for seeing that our damages were paid.

Refusing to back down we threatened to sue both the management co and the HOA as they were PRIMARY contactees. I think they realized that we were in the righ tand put pressure on the roofing company. We finally agreed to settle for substantially less than the damages just to putthe mater to rest.

Perhaps we mistakenly expect the management companies and the Boards of Directors to represent US, the homeowners. But it seems ours, at least, will shirk responsibility in every way possible. Just who's side are they on? Apparently not the homeowner's!

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Q: Who is required to pay for damages to personal property caused by a roofing co hired by your Condo Home Owners Association?
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