Q: Would the HOA’s insurance in the condo that I own a rental refund me if I paid for the damages done by hurricane Ian?
My rental was damaged by hurricane Ian and I had renters living there and decided to break the lease because of the damages and I started arranging to have the inner walls fixed and paid upfront $5000, however after the fact the Condo HOA informed me that their insurance will cover the inside damages and I asked if the insurance would refund me and they have dodged the question twice.
A: A Florida attorney could answer best, but your question remains open for two weeks. They might not be dodging your question - they simply might not know. In these settings, it isn't in the policyholder's (your HOA) hands. It's up to the insurance carrier. Some carriers want their property loss adjuster to survey the damages before repairs are made, or some might have certain criteria for the credentials of who makes the repairs on certain types of losses. Until you're able to consult with a Florida attorney for state-specific guidance, the short answer nationwide in most places is that it's generally up to the carrier. Good luck
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