Travelers denied my $41,000 HO-6 condo claim after the unit above me had a washing machine supply line burst that destroyed my kitchen and both bathrooms, saying the HOA master policy was primary. the HOA's carrier said the damage was "walls-in" and my problem. Forced $38,500 from Travelers plus a $6,200 loss assessment recovery using the master policy boundary framework: the CC&Rs, the state condo act unit definition, bare-walls vs single-entity vs all-in doctrine, a joint inspection demand, and a bad faith setup letter. the complete 7-month playbook for the condo coverage gap ping-pong.
writing this for the condo owner who is about to discover that owning a condo means you can have two insurance policies covering the same square footage and, for the first several months of a claim,...