Key Information regarding Association’s Master Policy: The common area buildings and structures are covered. The master policy carries “Special Form” coverage, which includes fire, lightning, windstorm, hail, explosion, riot, aircraft and vehicle damage, smoke, vandalism, falling objects, the weight of ice, snow or sleet, collapse, sudden rapid water escape of overflow from plumbing or appliances, frozen pipes, and convector units. No coverage is provided for wear and tear, deterioration, damage by insects or animals, settling or cracking of foundation, walls, basements, or roofs. There is no coverage for damage caused by repeated leaking or seeping from appliances or plumbing. This includes leaking from around the shower, bathtub, toilet, or sink. These events are properly classified as maintenance items. This policy contains full details on coverages, limitations, and exclusions.
Claims
If you have a claim that you believe needs to be submitted to the association policy, you must first notify the association manager or a board member as Brown & Brown only accepts claims from an association manager or a designated member of the board of directors. A claim that involves your personal property should be submitted to your homeowner’s insurance carrier. Claims are not accepted directly from a unit owner.
Lenders/Mortgage Companies If your lender needs verification of insurance for the Association, please have them send an email request to: coi@bbrown.com
Disclaimer: Please be aware that the coverage described in this letter only applies to association policies insured through Brown & Brown. This master insurance review letter is based on the information provided to the Agency by you and contains a general description of the coverage(s), but it does not constitute a policy or contract. For complete policy information, including exclusions, limitations, and conditions, please refer to your policy. In the event of a difference, the policy will prevail.
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