- Jurisdiction
- California
Good morning,
I purchased a home back in March of 2015. This home is in a gated community with an HOA. At the time of purchase my realtor indicated I needed to acquire my own Home Owner's insurance. I also asked the HOA director what the coverage of the HOA dues were. Neither the realtor or the HOA indicated that the HOA was covering home owner's insurance. I was only made aware of this within the last two weeks as it seems that there were an abundance of water damage claims by home owners, which was resulting in issues maintaining the service. Perhaps I don't understand, but it appears that I've been "doubling up" on home owner's insurance, unintentionally. Do I have any recourse at this juncture or am I SOL for not completely understanding the CCRs. This is my first home and perhaps I naively expected my realtor and the HOA director to explicitly let me know that this was covered. Any advice would be most appreciated. Thanks!
I purchased a home back in March of 2015. This home is in a gated community with an HOA. At the time of purchase my realtor indicated I needed to acquire my own Home Owner's insurance. I also asked the HOA director what the coverage of the HOA dues were. Neither the realtor or the HOA indicated that the HOA was covering home owner's insurance. I was only made aware of this within the last two weeks as it seems that there were an abundance of water damage claims by home owners, which was resulting in issues maintaining the service. Perhaps I don't understand, but it appears that I've been "doubling up" on home owner's insurance, unintentionally. Do I have any recourse at this juncture or am I SOL for not completely understanding the CCRs. This is my first home and perhaps I naively expected my realtor and the HOA director to explicitly let me know that this was covered. Any advice would be most appreciated. Thanks!