C.D. from Broward County, Florida writes:
Dear Mister Condo,
We are replacing an AC unit with a licensed and insured company and our board wants this insurance certificate to show the building name as lien holder. Our HOA docs clearly state that the resident/not the association is solely responsible for any damage if caused by the individual unit. Why would we have to comply with something that doesn’t make sense and isn’t stated in our HOA docs? Thank you. This is also an extra expense for us personally.
Mister Condo replies:
C.D., as you state, you are responsible for any damage caused by the contractor you hire to perform work of any sort on your unit. However, the Board is not incorrect in having the association named as “additional insured” on the Certificate of Insurance (COI) so that the association has additional assurance that they would benefit from any insurance claim proceeds that might result from damage to their building for the work that is being done on your behalf. It is a fairly common practice and I doubt you are being singled out to provide the coverage. Yes, there may be some additional expense in complying with the request but if the association requires it, there may be little you can do to avoid having them listed as they have requested. Good luck with your A/C replacement!