waiver of subrogation

来源: 2021-10-14 07:32:32 [] [博客] [旧帖] [给我悄悄话] 本文已被阅读: 次 (1284 bytes)
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I think your issue is with the waiver of subrogation in the HOA CC&R, that every insurance shall contains "waiver of subrogation" so that insurance of the damaged party (e.g. you) don't go after the responsible party (e.g. the neighbor). Or if it is the common pipe that bursts, the waiver of subrogation would prevent insurance of the damaged party (e.g. you) to sue the HOA who is responsible for the common pipes. 

This clause is there to discourage litigation between owenrs and HOA and/or among neighbors.  You lost a few thousand in this case, but if table was turned, if your pipe bursted and caused damage to others, you might not have to pay a few thousands to cover the deductible of the affected owner.

In your case, you can still go after your neighbor in small claim court to receover the deducitlbe.  The waiver of subgrogation merely prevents your insurance company to sue your neighbor on your behalf.  It is assumed people would give up their claim if they have to take time off and go to small claim themselves.

I am sorry this concept is better explained in English because you need to talk to your neighbor, HOA and insurance company in English.   

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没有老朽的文笔,我的帖子和码工写的程序一样无趣。 -柠檬椰子汁- 给 柠檬椰子汁 发送悄悄话 柠檬椰子汁 的博客首页 柠檬椰子汁 的个人群组 (0 bytes) () 10/14/2021 postreply 07:59:37

两个风格,你俩都有能力帮也愿意帮大家,我们都爱看 -一只特立独行的猪- 给 一只特立独行的猪 发送悄悄话 一只特立独行的猪 的个人群组 (0 bytes) () 10/14/2021 postreply 11:05:24

手工点赞 -PtLandlord- 给 PtLandlord 发送悄悄话 PtLandlord 的个人群组 (0 bytes) () 10/15/2021 postreply 06:52:15

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Thank you! This is well-explained and very helpful! -KimK- 给 KimK 发送悄悄话 KimK 的个人群组 (0 bytes) () 10/14/2021 postreply 08:24:59

赞! -一辈子梦不断- 给 一辈子梦不断 发送悄悄话 一辈子梦不断 的博客首页 一辈子梦不断 的个人群组 (0 bytes) () 10/14/2021 postreply 12:04:09

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