[WSBARP] ground water flooded the unit

[Carol Li]

PC is looking for someone to represent him to deal with his HOA to recover
the damages to his unit. Welcome self-referrals.

PC owns a unit on the first floor. On a heavy rainy day, due to the rotten
building siding and the bad ground drainage system, a tremendous amount of
rainwater got into the unit, flooded the unit entirely(furniture was
floating). The total damage including moving/storage cost is over $45,000.
The wall-in insurance does not have groundwater coverage. So the owner's
insurance won't help.
The owner demanded the HOA to fix the sidings and drainage system and pay
for the interior repairs, the HOA opens a claim under the master insurance
policy, and the CC&R indicates every homeowner must pay the $25,000
deductible to use the master insurance for repairs. PC believes the $25,000
deductible should be reimbursed by HOA because he was at no fault when
these damages occurred and it was the HOA's neglect in repair the building
siding and the drainage system that caused the damage.

Now the question is, is this a battle worth fighting? Or it is practical
for the homeowners going through this kind of situation to bear the high
deductibles if they do not have the right wall in coverage? PC is actively
seeking for counsel to represent him.

Thanks.

-- 
Carol Li
Phone: 425 232 0316
 *"When you think positive, good things happen"*
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