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!
If you qualify for coverage under the policy.
Then they're liable for the damages. You need to file a police report immediately.
Of course not, if he damages your property he is required to inform you immediately.Unless you built it on his property, in which case he can do what he pleases with it without telling you anything.
It all depends. Depending on the insurance policy you carry on your personal property, and depending on the insurance carried by the association and the insurance carried by the roofer, there would be some number of possibilities for who ultimately pays. If I were you, I'd document the loss of my personal property and include photos. I'd verify the association's insurance coverage (carrier name, policy # if available) and the roofer's insurance coverage (carrier name, policy # if available). Then I would file a claim with my insurance carrier and pass the other coverage details along with the claim and let my carrier decide who should pay.
Typically there are a few types of damages that can be claimed in a personal injury lawsuit. Beyond measurable costs like wages lost due to injury, medical expenses, and property damage, there are special damages like pain and suffering and emotional distress.
You need to discuss your damages with a personal injury lawyer.You need to discuss your damages with a personal injury lawyer.You need to discuss your damages with a personal injury lawyer.You need to discuss your damages with a personal injury lawyer.
Thunderstorms and bushfires are the ones that cause property damages and deaths
Two issues arise here: repair/ replacement and payment for water damage. One can assume that the personal property involved in the water damage event was located inside your unit, or inside your assigned storage area. Properly, personal insurance covers these personal items. You are well advised to photograph the damage, research your archives for original purchase receipts -- to verify their values, and be prepared to complete a claim. Your personal insurance broker can advise you about how to proceed. Best practices dictate that the association's master policy become involved, since common areas are most often involved in water damage events. Once the source of the water is identified: another owner's plumbing, window, association owned roof, whatever -- then the policy covering the responsible party pays for damages. Once the insurance companies identify responsibility for the source of the water intrusion, payment is finalized for appropriately documented damages and repairs.
Make the damages part of the divorce proceedings and request restitution.Make the damages part of the divorce proceedings and request restitution.Make the damages part of the divorce proceedings and request restitution.Make the damages part of the divorce proceedings and request restitution.
A suit to recover damages in civil court.
Stephen Hollander has written: 'Managing personal injury damages' -- subject(s): Personal injuries, Damages
Not if it is your couch and your dog. If your animal damages a neighbor's property, he may have a claim against your homeowner's liability insurance, or vice versa if it is your property and another person's dog.