Tag: Florida HOA Insurance Attorney

In some circumstances, FEMA is also empowered to authorize payments to policyholders even before inspections are done if the policyholder needs to cover an emergency expenditure (such as temporary housing) after the disaster.

HOA Contracts & Emergency Powers

The process of repairing and mitigating damages under programs like these can be very confusing. For example, while policyholders have an obligation to mitigate damages as much as they can, they are also told not to enter into any contracts without first running them by the homeowners’ association (HOA) and/or board first.

In addition, homeowners association should ensure that there are separate contracts for each unit and, if possible, have the owner of that unit separately contract for any emergency services such as water extraction from their unit. However, if this is not possible due to emergency circumstances, homeowners associations should exercise their rights under Florida law to ensure that any contract signed indicates that the HOA is only acting as an agent given the emergency circumstances. These powers are available on a very limited basis for the sake of protecting public health and safety.