The State of California requires associations to maintain specific insurance policies. SwedelsonGottlieb advises community association clients on

  • Policy types and limits required
  • Pros and cons of obtaining additional insurance, such as earthquake and flood
  • Deciding to cancel optional insurance
  • Coordinating insurance proceeds payouts with homeowners
  • Resolving disputes with homeowners or the insurance carrier
  • Educating the insurance representatives on the community association governing documents, including what is common area versus separate interest property
  • Negotiating settlements
  • Drafting insurance deductible policies that clarify who is responsible for the insurance deductible in the event of a loss within an owner's separate interest or for damage caused by a homeowner or their invitee
  • Defending against subrogation claims
  • Advising insurance carrier assigned attorneys
  • Overseeing litigation covered by insurance 
  • Tendering Claims