My townhome property manager refuses to provide me a copy of homeowner insurance.?

Question

The home insurance was sent to me in June. I lost it. In September, I refinance the house and call the property manager to request a copy of it. She refuses to provide me one and said that it's her rule. She only gives the copy to lender, appraiser, but not me: the home owner. What should I do? Is she a dictator or am I asking too much?

I have no glue who the insurance company is. That's why we have property manager to take care of that for us :)

This is a big townhome complex of 91 units. We pay home onwer association fee monthly, which takes care of the outside maintenance of the house, public pool, club house, etc.

Answer 1

Have you tried contacting the insurance company directly? She said its HER rule, not their's. Good luck!

Answer 2

Its not the property manager job to look after your paper work. You said she gave a copy to the lender and the appraiser. The lender would not go to the property manager for homeowners insurance and the appraiser has no need for a copy and could care less if you have homeowners insurance. The only people that should be involved with your homeowners insurance is you, the lender and insurance company. Call your lender.

Answer 3

As someone else stated, I handle the insurance for all my properties. Personally I think there could be a conflict of interest in letting someone else handle the insurance. How do you know you are getting the best rate available? How do you know that you even have insurance? How do you know that you have enough coverage if something happens? How do you know that the property manager isn't using a relative for the insurance needs or getting a kickback on the policies? Too many ifs for me to feel comfortable. That's just my opinion.

As for answering your question as to how I would handle it I would clearly state to the property manager that SHE works for YOU. if she is unable to provide the service to you that you need let her know you will turn elsewhere for services. I don't think you are asking too much in requesting a copy of the policy.

Answer 4

I have Never owned a property where the managers handle any insurance except for the common areas .
My homeowners was always done by me , or through the lender .
Where do property managers handle insurance other than the common area insurance ?

Normally , I would not expect them to have anything to do with your homeowners .
Did you misunderstand ?
Maybe they were trying to tell you , they don't handle each person's residence insurance ?

You Should Have a Clue ,
It is Your home that is being covered for disasters .

>

Answer 5

A call from your attorney might loosen her grip! That is the most ridiculous thing I have ever heard! Tell her you'll pay her for a copy. If she refuse, then call the insurance company.

Answer 6

Since (1) you are refinancing anyway, and (2) she said that she will give it to the lender, have the lender get a copy from her and then have the lender give you a copy.

Answer 7

No. Neither tenant could make a declare under somebody else's coverage. additionally, seeing as how there are 2 tenants, and that's a sources proprietors coverage, nicely, except the condo association grow to be disclosed and coated interior the score, that is available that the home proprietor is likewise going to have a assurance concern. that is not significant whose fault the hearth is. in case you choose hearth assurance, you ought to purchase your guy or woman tenant sources proprietors coverage. the owner would not ought to place you up in a hotel. in case you choose loss of use assurance, nicely, that could additionally be on your tenant sources proprietors coverage. on the subject of the hire, many times it would be suggested on your condo contract - many times, in case you won't be able to stay there, they might't punish you for locating yet another place to stay and breaking the hire. many times, you does no longer pay hire on a similar time as that is uninhabitable, considering you does no longer be residing there. you could continually sue the 'at fault' tenant on your losses. If it grow to be an twist of fate, they won't be held in charge. If it grow to be an 'on purpose', probably they are going to - yet whilst they have not got any assurance, all you will get is a judgement against them. sources assurance is virtually continually first celebration in user-friendly terms - you bypass on your guy or woman assurance employer. somebody else's sources assurance, shouldn't pay on your sources harm, with very few exceptions.