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Old 07-04-2008, 04:28 PM
 
4 posts, read 17,396 times
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I live in Plantation in a condo called Polynesian Gardens. Of course as part of our maintenance we have insurance on the structures and common property. Recently we all received a letter telling us we have to buy individual homeowners insurance on our contents and what not. I own my condo outright and have for several years now. My question is can a Condo Board legally force my to buy the insurance. They also say if we don't buy it they will buy it for us and assess us. I don't beleive this is legal. My building President who lives above me says the Board President is just trying to SCARE people into buying the insurance. I wish I had the Florida statute to prove her wrong in case she messes with me.
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Old 07-04-2008, 07:37 PM
 
10,604 posts, read 14,669,959 times
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Easy enough to have a condo attorney review the docs and let you guys know. It could be in there that it's required of course. That's even in alot of rental leases.

They probably don't want a big mess sitting in someone's unit after a disaster, right?

But I find it hard to believe that homeowners can be assessed. HOW? LOL Companies aren't wanting to write anyway, so how is she going to get a bunch of "strangers" covered....
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Old 07-04-2008, 11:04 PM
 
4 posts, read 17,396 times
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Default Thanks for the reply

If you are running with Scissors I'd better be careful. Well thanks for the advice. I really do need to get a hold of the condo documents. But Florida statute will trump condo laws. This condo says I can not lay a laundry line on my terrace. I found out that Florida statutes allow me to hang laundry. And my neighbor says that Allstate told him it is not yet a law that we must get condo insurance. I still have to find that statute. I would hire an attorney but that cost money. So right now I am just going to hold off. My neighbor president of building will keep me informed. Thanks again.
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Old 07-04-2008, 11:42 PM
 
3,043 posts, read 6,946,101 times
Reputation: 897
The Florida Statutes are online -

Statutes & Constitution :View Statutes : Online Sunshine

Just a quick glance but look under Real & Personal property (Title XL), Chapters 718 and 720 (which governs the powers of condos and HOAs - NOT the reuqirements of homeowners), however I bet the true answer lies in your HOA docs which they are required to give you a copy of, and if it states there you are required to have homeowner's insurance or they can assess, I'm afraid you're fighting a losing battle - but maybe it doesn't say this at all, and she's just blowing hot air.

And, if they can assess, I'd bet any insurane company they'd find for you would be a LOT more expensive than you could find yourself (say through Citizen's Insurance).

Last edited by fauve; 07-04-2008 at 11:51 PM..
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Old 07-08-2008, 02:27 PM
 
4 posts, read 17,396 times
Reputation: 11
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Thanks for the info Fauve. I will check that out. You the man.
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Old 07-08-2008, 03:21 PM
 
3,043 posts, read 6,946,101 times
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Quote:
You the man.
Woman, actually
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Old 07-08-2008, 03:30 PM
 
2,143 posts, read 7,285,516 times
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Actually, the condo statutes were just changed. 718.111 now, I believe, requires individual unit owners to have liability and hazard insurance, and allows condo associations to purchase it and have the owner pay if they don't get their own. This was a major change in the law.
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Old 07-08-2008, 04:12 PM
 
3,043 posts, read 6,946,101 times
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Wow - that is major...Sorry, LevinFalcon...make sure you purchase it yourself first, otherwise you will surely get hosed!
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Old 07-08-2008, 08:21 PM
 
Location: S.E. Florida
392 posts, read 1,125,430 times
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I'm curious to know why someone wouldn't want to have insurance for the condo they live in.

All it takes is a fire, burst pipe, hurricane, to make a good day turn real bad.

I live in Hollywood in an 1,800 sf. ft condo and only pay $1,000.00 a year
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Old 04-27-2009, 03:33 PM
 
1 posts, read 3,916 times
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Actually, the condo statutes were just changed. 718.111 again [url]http://www.flsenate.gov/data/session/2009/House/bills/analysis/pdf/h0419b.IBFA.pdf[/url] This bill repeals the requirement to purchase individual unit coverage, repeals the duty to name the association as an additional insured, and repeals the related enforcement mechanisms.
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