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HOA Insurance Claims Process: A Step-by-Step Guide

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4 2. THE AGENT OR CLAIMS MANAGER FILES THE INSURANCE CLAIM. After providing as much information as you can about the incident, your agent or claims manager will review everything and file the claim with your HOA insurance carrier. The official insurance claim is the documented request for compensation to cover losses caused by the incident, such as: • Cost of repairs to buildings or structures • The cost of replacing damaged equipment • The injured person's medical expenses • Costs associated with theft or vandalism At this point, consider keeping your HOA attorney informed or involved in the process. Depending on the situation, you may need legal guidance if a dispute arises and you're unsure how to proceed. It can help if your attorney is already up to speed with what's happening. 7 6 5 4 8 9 10 11 3 2

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