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What does the HOA insurance cover?
The HOA master policy covers building exteriors, common areas, and original fixtures. Coverage: $22.4M property, $1M liability, $10M umbrella. Deductible: $15,000.
What do I need to insure as a unit owner?
Owners must insure: interior improvements/upgrades, personal contents, loss of use/rental income, and personal liability inside the unit. An HO6 policy is recommended.
How do I file an insurance claim?
Contact Mountain West Insurance: claims@mtnwst.com or 970-945-9111. For emergencies, call immediately. Have your unit number and incident details ready.
What is the HOA insurance deductible?
The master policy deductible is $15,000 per occurrence. Owners may be responsible for the deductible if damage originates in their unit. Consider HO6 deductible coverage.
What liability coverage does the HOA have?
The HOA has $1M per occurrence general liability, $10M umbrella excess coverage, and $1M Directors & Officers liability. Personal liability in your unit requires your own HO6 policy.
How do I get an insurance certificate?
Insurance certificates are available on the HOA Hub document library. For custom certificates (e.g., for mortgage lenders), contact Mountain West Insurance directly.
Who pays for water damage?
It depends on the source. HOA covers pipes in common areas. Unit owner covers damage from appliances or interior plumbing. The source determines which policy applies.
How do I contact the insurance broker?
Mountain West Insurance: claims@mtnwst.com or 970-945-9111. Contact them for claims, certificate requests, or coverage questions about the HOA master policy.