I Want a Copy of the Condominium Master Insurance Policy

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V.S. from New Haven County writes:

Dear Mister Condo,

My condo manager will not give me a copy of the condo insurance master policy.  How can I get a copy?

Mister Condo replies:

V.S., have you asked a Board Member for a copy of the master insurance policy? They may be willing to show you a copy of the policy. Generally speaking, the condo Master Insurance Policy is kept in a safe place (like the manager’s office) since it is such an important item for the association. As a rule, unit owners are not provided copies of the association’s Master Policy. I am not aware of any law that allows for the individual unit owner to inspect the policy or requires the association to provide a copy. I imagine that the reason for this is that your by-laws should clearly detail what protections must be provided by the association’s Master Policy and require that the association keep such coverage in place. If the association was to underinsure or not insure according to those provisions and you needed to put in a claim against the policy, you would have the legal right to bring suit against the association for default under their covenant to all unit owner to provide required insurance.

If you still require a copy of the Master Policy, I might suggest contacting your association’s insurer. The insurer routinely provides copies of the insurance coverage page of the Master Policy to lenders and others who require that this coverage is in place before they will conduct business with the association. This document will detail the amounts of coverage in place and important items like deductibles and dollar amounts of coverage and limitations. Also, if you have purchased a homeowner’s policy, known as HO-6 here in Connecticut, your insurer has likely received a copy of this information and sold you your policy based on the coverage provided by the association. The idea is that the HO-6 policy, combined with the association Master Insurance, has you fully covered, less any deductibles, for likely losses that may occur in your unit.

Of course, if you don’t already have HO-6, I strongly recommend it. Many condo by-laws require that individual unit owners carry HO-6 coverage, and for good reason. It protects you and it protects your association. I wish you happy coverage and no losses. All the best!

11 thoughts on “I Want a Copy of the Condominium Master Insurance Policy

  1. need a copy of my homeowners association master hazard insurance policy. .the management company does not do this job. I tried eoi, but was unsuccessful in my attempt to get a copy of the hazard insurance policy. What shall I do?

    1. E.S., typically, unit owners don’t get a full copy of any of the association-owned insurance. It is more likely that what you are looking for is the coverages page which details the policy limits and other pertinent details. You cannot put in a claim against the policy as you are not the owner. If you have a claim agains the association, simply sue them. If they have coverage, they will make a claim or they will deal with you directly. It’s their insurance; not yours. Good luck!

      1. You must provide the HOA’s insurance declarations page to the lender if you refinance. It should be made available to owners for this reason.

  2. We just had our first ever Open Meeting with Association membership. We want to meet with a lawyer who lives here and offered help interpreting governing docs. Is this against Open Meetimgs act in Texas?

    1. Charlie, I don’t see how having the association’s attorney interpret governing docs to volunteer Board Members and unit owners violates anyone’s rights. If the attorney is representing a developer or property management company, that might be a violation but if the attorney is hired by the association and is representing the association’s best interest, I don’t see a problem. Keep in mind that I am not an attorney and offer no legal advice here. You might want to confer with yet another attorney for a proper legal opinion. All the best!

  3. My condo management company refuses to allow the installation of an electrical outlet in a common area to power lamps, stating that if there is any problem the owners in all 4 bildgs. will be liable. Please explain. It make no sense to me!

    1. J, it sounds like the management company is erring on the side of safety. To be honest, it would be a Board decision as to whether or not to allow it. Additionally, if the installation creates liability to the association (adding an electrical outlet certainly could) it may require approval or inspection from the association’s insurer. In other words, it isn’t always as simple as adding an electrical outlet as you would to your home. Common areas are under the Board’s control, so ask the Board directly and see what they say. All the best!

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