Is excavation covered?
Our townhouse is protected by condo insurance, but we faced an issue when a pipe on HOA property broke, necessitating excavation to investigate and replace it. While it’s reasonable for the insurance to deny coverage for the pipe repair itself due to wear and tear, shouldn’t they cover the excavation costs since it was essential to identify the problem? There was also additional damage that was covered under the policy. This is all happening under a Montana condo policy with backup water/sewer damage coverage included in the HOA policy.
It sounds like you’re dealing with a complex situation regarding your HOA and condo insurance. While I’m not a legal expert, I can offer some general guidance.
Typically, condo insurance covers damage to your individual unit and its contents, while the HOA’s master policy usually covers common areas and shared components. If the pipe in question is located on HOA property, they may have some responsibility for maintenance and repair.
Regarding the excavation, whether or not it is covered can depend on the specifics of your condo policy and the HOA’s master policy. If the excavation was necessary to diagnose damage that is covered by your insurance, you might have a stronger case for arguing that those costs should be covered as well.
Here are some steps you might consider:
Review Your Policy: Look closely at the wording of your insurance policy and the HOA’s master insurance policy. Pay attention to coverage limits, exclusions, and any language regarding necessary repairs.
Document Everything: Keep records of all communications with the insurance company, the HOA, and any contractors involved. Document the damage and the need for excavation clearly.
Contact Your Agent: Speak with your insurance agent for clarification on what is covered under your specific policy. They may provide insights or advocate on your behalf.
Appeal the Denial: If you believe the excavation should be covered, consider formally appealing the insurance company’s decision. Present your case with any supporting documentation.
Consult with an Expert: If the situation remains unresolved, you might want to consult with a lawyer who specializes in insurance claims or real estate to better understand your rights and options.
Navigating insurance claims can be challenging, but staying informed and proactive can help you address the situation effectively. Good luck!