Condo Media - June 2017 - 52
The Region
RHODE ISLAND
Damage Claim Adjustment
A Cautionary Tale
[by Frank A. Lombardi, Esq., CCAL]
A condominium unit owner came
in the other day with a complaint:
she had a major roof leak causing
several thousand dollars of water
damage to her unit, which caused
her to relocate for several months. Our
story begins calmly enough: the water
damage event fortunately was covered
by the condominium's insurance carrier, without issue.
The problem was the inordinate
amount of time it took to make the repairs and to reimburse the unit owner.
The association is self-managed and
the board was generally a good group
of responsible people, whose only fault
was delegating a substantial amount of
the day-to-day management of the association to its president.
52
CONDOMEDIA
The claim administration started out
OK: the master policy adjuster came out
to the site, evaluated and accepted the
claim; the board president allowed the
unit owner to choose her own contractor, which she did; the association properly vetted the contractor, made sure he
was properly insured and the like; and
the work description was accepted. Once
the insurance company paid the $35,000
claim, minus the deductible and depreciation to the association, that's when
things started to go awry.
DELAYS AND EXCUSES
Despite a flurry of emails pleading for
action, the board president failed to pay
the money over to the contractor, nor
does he agree to pay the amounts repre-
senting the deductible and depreciation
back to the unit owner. Desperate to
reoccupy the unit, the unit owner pays
the contractor herself. She finally gets
the board president on the phone and
understandably reads him the riot act
about the delay, demands the reimbursement of what essentially is an advance on behalf of the association, along
with the deductible and depreciation.
The president and unit owner get a little
testy. The president is upset because
his mom passed and he was otherwise
delayed in resolving this over the past
two months and gets defensive over his
"voluntary" and "thankless" job.
Upon hearing this, the unit owner
expresses her condolences, but the
president is feeling that the gesture
Condo Media - June 2017
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Condo Media - June 2017 - Table of Contents
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