應該找association, 還是insurance conmpany來支付更換地板費用。還是就自己付了。

Twonhome 的crawl space 有滲漏近一年。association 派人來了許多次， 也做了各種措施，但都沒能解決問題。最終發現是foundation wall crack。association已經支付補漏的費用。 但由於長期積水，地板都損壞了，也有mold的跡象, 所以要更換損壞的部分。 估計要$2-3K。。Association的人認為地板不是他們的責任，我應該通過我的保險公司。但打去保險公司allstate agent。agent 說損壞是由於地下室滲漏，not weather related(say flooding),所以不是他們的責任. 而且我的deductible 是1K，claim 後我每年的premium要有50-100% increase, 所以不建議我claim。

我的問題是，我應該找association, 還是insurance conmpany來支付更換地板費用。還是就自己付了。我個人覺得應該是association的責任。因為由於他們沒能及時診斷及維修foundation wall crack。所以是他們的責任。可是我查了associaton declaration, 沒有這部分的說明。

所有跟帖： 

• 回複：應該找association, 還是insurance conmpany來支付更換地板費用。還是就自己付了。 -xiaofengjiayuan- ♀ (61 bytes) () 09/29/2011 postreply 06:02:09

• Lao Mao, any reason you skip this question? thanks. -xiaofengjiayuan- ♀ (0 bytes) () 09/29/2011 postreply 06:02:50

• 老貓在找到答案前不會回答的 -sts135- ♀ (0 bytes) () 09/29/2011 postreply 08:16:47

• got it, thank you. i will wait then... -xiaofengjiayuan- ♀ (0 bytes) () 09/29/2011 postreply 10:15:15

• 回複：got it, thank you. i will wait then... -單身老貓- ♂ (553 bytes) () 09/30/2011 postreply 13:24:31

• 老貓，謝謝您！找建築商可能性不大了。都快20年的房子了。看樣子要自己付這筆費用了。 -xiaofengjiayuan- ♀ (85 bytes) () 09/30/2011 postreply 19:10:48

• So you didn't file a claim to your insurance? -ne0987- ♀ (58 bytes) () 09/29/2011 postreply 09:42:41

• I called the agent first, she suggested me not filing to insurna -xiaofengjiayuan- ♀ (223 bytes) () 09/29/2011 postreply 10:14:40

• It is condo. HOA put the lien on his condo. They are waiting for -ne0987- ♀ (0 bytes) () 09/29/2011 postreply 10:39:26

• They are waiting for the hearing on the court -ne0987- ♀ (0 bytes) () 09/29/2011 postreply 10:39:51

• Thank you for the answer, but Who are they? the condo owner? -xiaofengjiayuan- ♀ (0 bytes) () 09/30/2011 postreply 06:07:32

• condo owner -ne0987- ♀ (0 bytes) () 09/30/2011 postreply 10:18:18