Insurance question? small double pane windows above my sliding glass doors at my condo shattered.?
Not sure how it happened, maybe a result of the neighbor upstairs doing
something or possibly faulty building structure which is actually ocurring
with some buindings in my complex.My HOA insurance covers only the outer
structures, walls.l have renters insurance for personal items so would
this be covered under my mortgage insurance?HOA says not covered by their
insurance??
If the breakage occurred due to faulty building structure, your
insurance won't cover it. The larger problem, however, is that it will
happen again if the structure is not sufficiently strong to keep pressure
and weight off those glass panes. I'd recommend that you investigate the
source of the issue to get it permanently resolved.
Most insurance policies have a deductible clause, where you pay
the first $200-$500. I doubt your damage exceeds the deductible.
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