Townhouse HOA Claim Survival Guide — Guide Edition

Townhouse HOA Insurance Claim Survival Guide — Guide Edition (PDF)

Your townhouse is covered by TWO insurance policies, not one — and almost every townhouse claim problem comes from not knowing which one pays for what. This plain-language guide decodes the system before it costs you.

WHAT YOU'LL LEARN:

✓ The two policies that cover your townhouse — the HOA master policy and your HO-6 — and which pays for what

✓ The three master policy types (bare walls/studs-in, single entity/all-in, all-inclusive) and how to find out which one YOUR HOA has

✓ How to read your CC&Rs: the insurance article and the maintenance responsibility chart (including the classic gray areas — windows, doors, decks)

✓ How to get the master policy declarations page from your management company — and the 3 numbers that matter on it

✓ The deductible pass-through problem: master deductibles of $5k–$50k+ billed to YOU, and why your $1,000 loss assessment limit isn't enough

✓ Boundary disputes: the roof-leak scenario — HOA fixes the roof, but who pays for your drywall, paint, and carpet?

✓ Who files what: common-element damage is the HOA's claim to file

✓ Betterments & improvements: why your remodeled kitchen is covered at original-spec value only

✓ How to coordinate two adjusters who don't talk to each other

✓ TWO worked claim examples with real dollar math ($25,000 deductible assessment; $8,400 roof-leak interior damage)

✓ Top 10 mistakes townhouse owners make — and what to do if your claim is denied

✓ Resources + full A–Z glossary (HO-6, CC&Rs, loss assessment, betterments, and more)

DETAILS:

• 20-page PDF, US Letter size, printable

• Written in plain English — no insurance jargon without an explanation

• From PepperAnne Press: Practical Guides for Homeowners, Property Claims & Everyday Life

ALSO AVAILABLE:

• Worksheets & Checklists Pack ($9.99) — the fill-in companion: CC&R finder, policy type identifier, loss assessment checker, claim letter templates, adjuster tracker, inventory sheets

• Complete Workbook BUNDLE ($19.99) — the Guide + the Worksheets Pack together. Best value.

PLEASE NOTE: This is a DIGITAL download — no physical item will be shipped. For educational purposes only; not legal, insurance, or tax advice. Due to the digital nature, refunds aren't available — but if anything's unclear, message me and I'll help.