Our State Farm HOA Master Policy has taken over Coverage A of our State Farm Individual policy while we were about to settle our Coverage A claim. Nobody at State Farm can point us to policy language that allows the HOA Master Policy to assume primary position over our individual. Is this legal? Isn’t it a conflict of interest?
Tracy Williams asked 1 month ago 1 Answers
Hi Tracy,
HOA master policy and unit policy interpretations are complex and usually involve the review of your CCRs, which will outline who is legally responsible for what portion of the property (unit owner or the HOA or both). The Master policy ‘taking over’ is not necessarily a bad thing or conflict of interest.
UP has great resources to assist you with your claims processes. We would recommend that you thoroughly review https://uphelp.org/disaster-recovery-help/2025cawildfires/ which includes step by steps. You will want to secure copies of your personal policy with State Farm and your HOA policy. We would recommend that you secure your CCRs and review them in detail to determine who is primarily responsible for damage to your unit. We also recommend that you make sure that all of your damage is covered; the master policy may only be covering repairs to the original materials of your unit. If you upgraded or remodeled your unit, these upgrades may still be covered under your own personal policy.
Should you want to secure professional assistance, UP has a ‘Professional Help’ directory that you can review https://uphelp.org/recovery/professional-help-directory/
We also had another consumer ask a similar question regarding their damage, which you can review here:
https://uphelp.org/ask-an-expert/question/dueling-policies-my-own-property-ins-vs-my-hoa-policy/
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