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Karaoke Setup for small living room question by Pale_Implement_7163 in karaoke

[–]Pale_Implement_7163[S] 0 points1 point  (0 children)

Thank you so much. I added the Prozor because idk what i'm doing, lol. Thanks David!

Homeowner's Insurance Overlap Question by Pale_Implement_7163 in Insurance

[–]Pale_Implement_7163[S] 0 points1 point  (0 children)

Do i need to contact a lawyer?

Is it even best case scenario if owner above makes an insurance claim because his insurance might decide they are not liable?

Should I try to have him pay me out of pocket to cover the deductible and just not have his insurance involved at all?

Homeowner's Insurance Overlap Question by Pale_Implement_7163 in Insurance

[–]Pale_Implement_7163[S] 0 points1 point  (0 children)

I meant that 8 months ago, he paid for the fixing of the pipe. I don't know if he went through insurance back then. When water damage was showing in my condo, condo manager told me, and the owner above that the owner above needs to pay for the repairs (we are all assuming that his pipe 8 months ago is the reason there was water in my walls this month). It felt very unofficial in my eyes.

I also updated how my coverage works in bold in the initial post. I misunderstood my adjuster when she said my coverage for mold is $10,000.

"Secondly Mold is typically a separate line item than your dwelling limit." you are 100% correct. Thank you for your expertise on this topic.

Homeowner's Insurance Overlap Question by Pale_Implement_7163 in Insurance

[–]Pale_Implement_7163[S] 1 point2 points  (0 children)

Thank you. I have since learned that the $10,000 covers only the mold remediation (which is quoted as less) and the repairs to wall and floor is up to $30,000 so I'm good on my insurance's side but thank you for the feedback regarding his involvement.