Category: Video Blogs

If you’re renting out your condominium unit, you want to make sure that your insurance agent is aware, because there are different types of policies, depending on the status of the unit. If you’re living thereas the unit owner, you may have a unit owner’s policy. Now, if you’re renting it out, you may have … Continue reading “I Rent Out My Condo. What Insurance Should I Have?”

I highly recommend that if you are renting out your condominium unit, that you insist on the renters having renters’ insurance. If the renters have a situation where there’s some sort of property damage, at least their property will be covered because there’s no guarantee that you, as the unit owner, your insurance will necessarily … Continue reading “I Rent Out My Condo. Should the Tenant Have Their Own Insurance?”

If your condo is broken into, and properties stolen. It could be a question of negligent security on behalf of the association. Let’s say you live in a condominium association where to get in the building you have to put in a code or a guard in the front of the building. And the person … Continue reading “My Condo was Robbed. Whose Insurance is Responsible?”

Even though you may own your condominium unit outright, I highly recommend that you have insurance. Not having insurance could really put you in a bad situation if you have some sort of a leak in your unit from the water heater or plumbing, or it could be a unit above you, or it’s the … Continue reading “I Own My Condo. Do I Need Insurance?”

If your unit is damaged in a hurricane, the condominium should have its own property damage insurance. That’s supposed to ensure the common areas or any common elements of the property associations responsible for so any damages to that portion of the property, the association is responsible for it. Now as a unit owner, you … Continue reading “My Unit was Damaged in a Hurricane. Who is Responsible?”

When it comes to shutters at the condominium association property, it goes back to the governing documents if that’s something the association agrees to be responsible for. Now in terms of any units on a high floor, most likely the association is going to be doing the shutters because it’s probably a danger to have … Continue reading “Who is Responsible for Shutters at My Condo?”

Negligent security occurs when a condominium association provides a guard or some sort of security patrol and despite those measures being taken by the association, something happens. A car being broken into, an assault on association property, negligent security says that the association breached its duty to provide security measures that they agreed to provide … Continue reading “What is Negligent Security?”

If your car is damaged in the condo parking lot, there’s a possibility that the association is responsible because again, the parking lot is part of the common area that the association is responsible for maintaining or possibly providing security for. If the association is supposed to provide security for the residents and something happens, … Continue reading “My Car was Damaged in the Condo Parking Lot. Who is Responsible?”

When it comes to damage on a balcony that you may have, that’s part of your unit, there is a possibility that you, as the unit owner, are responsible for maintaining it, but to be a hundred percent certain, you would need to go back to the governing documents to see if the unit owner … Continue reading “My Balcony is Damaged. Who is Responsible?”

When it comes to a common area, common areas are maintained by the association. Most likely if you were injured in a common area, it’s going to be the association who is responsible. If the association was maintaining that area, you may not have been injured.