Any Insurance Specialists Out There?

I really didn't drop the insurance, they dropped me. I had paid the insurance in full for that year, and didn't realize I was late for the next payment. They were sending the info...billing...to the address in Lauderhills which wasn't forwarded to me. When I found out about it, and sent them a check, they sent me one of their checks back and said the insurance was cancelled due to late payment.

I spoke with one of the persons that cleaned up their current mess of having the pipes back up and dirtied my kitchen. He said the ass'n committee has the last say. I told him that I would have reported it sooner if I had found out about it earlier. All I know is that my water tank didn't cause the damage and I have the handy man that can back up my story as well as cancelled checks that show the time I paid for the water heater to be replaced, and my grand nieces lawyer letter stating that when they visited the condo that it was flooded way after my water heater had been replaced. I also have cancelled checks showing that I had two people cleaning up the condo way after the water heater had been replaced, and they were there to wet vacuum the condo to get rid of the water.

Turns out that the guy I spoke to was there when the water heater was replaced, and my handy man pointed out that there was nothing wrong with the heater except that it was shorted out from the leak above. I explained to him that I wasn't free to travel to Florida, as Faye was sick and couldn't travel, and I had no one to stay with her so I could get down there.

Hopefully, I'll be down there in a week or so and they will see what I'm talking about. If they had to repair any leaks in between the walls at that time, it was obviously their fault.

When the cost to repair a car exceeds the value of the car, the insurance company totals the car.

What happens if the cost to repair and eliminate the mold costs more than the cost of the condo? Does the ins company just cut you a check and walk away from the mess?

I believe that would not be a viable alternative.

The other unit owners would be impacted, and their "rights" violated. It would have to be repaired and made right by someone.

Morgan & Morgan for the people.

I believe in order to collect insurance you need for the event to have been spontaneous. If this was an ongoing problem then I'm not sure they are going to pay.

Who's Morgan and Morgan? Are they some sort of consumer advocate group?

they are a Law Firm. I did not realize they were in Florida too, though. They are one of those advertise on TV sort of law firms

Thanks Karen.

I work for an insurance company claims adjuster and we have lots of water claims. Normally, we pay for sudden water leaks but not for an ongoing problem. Has the leaking stopped? Did you report the leaks to the association or the person living above you? The insurance company will want to know if you did your due diligence in stopping the leakage and reporting it to the ins. company. I will be interested to see what you find out but you may have a pretty hard time getting the insurance company to pay. They have to be notified in a timely manner in order to view the damages. We don't pay claims where the damages have been fixed and we weren't given the chance to view the problem. This doesn't sound like a good outcome but hope it turns out in your favor.

There's more to this than your letting on. An insurance company won't typically drop you unless your payment is more than 45 days late (in some instances up to 60).

The insurance company likely won't pay on a claim if the insurance has lapsed. Even if you had insurance at the time of the problem. Since you never filed a claim and the insurance has lapsed, the only recourse would be the HOA.

Here's the catch 22 of the story, since you are reporting the problem after your coverage went bye bye, they could turn you down as not doing your part and keeping your condo covered by a homeowners insurance policy.

Note: if you change policies, do so while your paid up on the old one. Don't let your insurance expire if you can help it.