IT IS IMPORTANT THAT YOU MAINTAIN YOUR OWN PERSONAL INSURANCE!
EACH HOMEOWNER SHOULD HAVE THEIR OWN INDIVIDUAL "EARTHQUAKE POLICY", LOSS ASSESSMENT, BUILDING PROPERTY,PERSONAL PROPERTY, PERSONAL LIABILITY, ETC. (TO NAME A FEW).
CONTACT YOUR OWN INSURANCE AGENT TO MAKE SURE YOU HAVE THE INSURANCE COVERAGE YOU NEED! THE ASSOCIATION HAS EXCELLENT CATASTROPHIC COVERAGE, BUT MAINTAINS A HIGH DEDUCTIBLE TO MINIMIZE INDIVIDUAL CLAIMS THAT WOULD OTHERWISE BE MADE THROUGH AN INDIVIDUAL POLICY.
IT HAS BEEN THE POLICY OF THIS ASSOCIATION, SINCE IT'S INCEPTION THAT ALL CLAIMS MUST BE APPROVED BY THE BOARD OF DIRECTORS BEFORE THEY ARE SUBMITTED TO OUR INSURANCE CARRIER. THIS POLICY HAS SERVED US WELL, AND ALLOWED US TO MAINTAIN VERY LOW HOA DUES, AND OUR INSURANCE YEAR IN AND YEAR OUT HAS REMAINED LOWER THAN MOST OTHER ASSOCIATIONS DUE TO THE LOW INCIDENT OF NUISANCE CLAIMS.
THE BOARD OF DIRECTORS OF YOUR ASSOCIATION AGGRESSIVELY FIGHT ANY PERSON OR PERSON(S), TRYING TO USE THE ASSOCIATION AS A DEEP POCKET FOR THEIR OWN PERSONAL NEEDS, WHICH WE ALL END UP PAYING FOR!
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