Q: I am an officer in a small condo HOA in Wisconsin. We are soliciting quotes for insurance coverage...
as a series of six twinplexes without revealing we are an HOA. Is this legal?
A: A Wisconsin attorney could advise best, but your question remains open for two weeks. Whether or not what you are doing is legal or illegal under Wisconsin law (a local attorney should advise there, as insurance practices are governed largely by state law - it does not sound like something that would be prosecuted as a crime in most places at any rate). But it looks like misrepresentation - and that could result in a denial of future claims, IF the carrier did not let the matter go, and pressed the issue that you failed to disclose that you were an HOA. Based on the nature of your inquiry to them, the carrier probably already suspects that you are some sort of entity, or at least something larger than an ordinary individual. If you disclose it, it could eliminate at least one basis for denying future claims. Good luck
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.
