How to Get a Copy of Your HOA Master Insurance Policy

TL;DR: How to Get Your HOA Master Insurance Policy (And Why It Matters)

1. Request It Directly: Contact your HOA board or property manager and ask for the declarations page and full policy.

2. Know Your Rights: Florida, Minnesota, and Wisconsin all give unit owners legal access to HOA insurance docs.

3. Use It for Claims: Your insurer and adjuster need the policy to determine who covers what.

4. Avoid Delays: Without the master policy, your claim may be delayed or underpaid.

5. Call Shoreline for Help: We assist with obtaining the policy and handling your insurance claim, fast.

Find out how Shoreline Public Adjusters can help you protect your property and recover faster after a loss.

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Why Knowing Your HOA's Master Policy Matters

If you live in a condo, townhouse, or gated community, you're likely covered under a Homeowners Association (HOA) master insurance policy. But when disaster strikes—like a hurricane, fire, or burst pipe—you may need to access that policy fast.

So, how do you get a copy of your HOA master insurance policy? In this blog, we’ll break down:

• What the HOA master policy covers (and what it doesn’t)

• Why you need it for insurance claims

• Step-by-step instructions to request a copy

• State-specific laws for Florida, Minnesota, and Wisconsin

• When to call in a public adjuster like Shoreline

Let’s make sure you're prepared before you ever need it.

What Is an HOA Master Insurance Policy?

The HOA master insurance policy is a master policy purchased by your Homeowners Association to cover shared structures and common areas of the property. This typically includes:

• Building exteriors and roofs

• Hallways, lobbies, and elevators

• Swimming pools, gyms, and other common amenities

• Liability for accidents in common areas

Depending on the policy, it may be:

• Bare walls-in: covers only the structure, not interiors.

• All-in: covers fixtures like cabinets, flooring, and sometimes even plumbing.

Why This Matters: If your unit is damaged, especially during events like hurricane season in Florida or winter storm damage in Minnesota and Wisconsin, you and your insurer need to know where the HOA's responsibility ends and yours begins.

Why You Need a Copy of the Master Insurance Policy

Having access to the HOA master insurance policy is essential when filing a claim after property damage. Here's why:

• Claims clarity: You need to know what your personal condo insurance (HO-6 policy) covers versus what falls under the HOA.

• Faster claims processing: Your insurer may request a copy of the HOA master policy to determine payout responsibility.

• Accurate repair scope: Public adjusters and contractors need to know what areas the HOA is responsible for before estimating repairs.

Whether you're dealing with fire damage, wind-driven rain, or water intrusion from above, knowing the policy's terms is key.

How to Request a Copy of Your HOA Master Insurance Policy

Here’s a step-by-step process to request a copy of the policy:

1. Contact the HOA Board or Property Manager

• Send a written request via email or certified mail.

• Reference the specific document you need: "HOA Master Insurance Policy."

• Request both the Declarations page and the full policy.

2. Check Your HOA Website or Portal

• Some associations upload documents to a member portal.

• Look under "Documents," "Insurance," or "Resources."

3. Submit a Formal Records Request (If Necessary)

• If your HOA is unresponsive, you may need to invoke your right to access HOA records under your state’s laws (see state-by-state breakdown below).

4. Get Help from a Public Adjuster

• If you're dealing with a claim, Shoreline Public Adjusters can help obtain the master policy and interpret its terms. We work directly with property managers and insurance agents.

State-Specific Rules: Accessing HOA Insurance Policies

Florida

Under Florida Statute 718.111(12) (Condominium Act):

• HOA members have the right to inspect and copy insurance policies within 10 business days of a written request.

• HOAs may not charge excessive fees for copies.

If your HOA ignores your request, you can file a complaint with the Florida Department of Business and Professional Regulation (DBPR).

Minnesota

Per the Minnesota Common Interest Ownership Act (MCIOA):

• Homeowners have the right to request association records, including insurance documents.

• The board must make them available within a reasonable time, typically 10 days.

Noncompliance can be reported to the Minnesota Attorney General’s Office or handled in civil court.

Wisconsin

Under Wisconsin Statute 703.20:

• Condo associations must keep and make available insurance policies for unit owners to inspect.

• Requests must be honored within 10 business days.

Complaints can be directed to the Department of Financial Institutions or handled via legal counsel.

How Shoreline Public Adjusters Can Help

If you're dealing with property damage and need help interpreting the HOA master insurance policy, we’re here for you.

At Shoreline Public Adjusters, we:

• Review the HOA master policy and your HO-6 policy

• Determine coverage responsibility

• Handle communication with the HOA and their insurer

• File and negotiate claims on your behalf

We serve condo owners and associations in Florida, Minnesota, and Wisconsin, especially after hurricanes, pipe bursts, fires, and ice damming.

Common Issues Condo Owners Face With HOA Policies

• Denied access to the policy during urgent claim situations

• Confusion about what is covered by personal insurance vs. HOA

• Delayed claims due to lack of documentation

These are exactly the kinds of issues Shoreline can help resolve quickly.

Recap: How to Get a Copy of Your HOA Master Insurance Policy

To recap:

1. Contact your HOA or property manager directly.

2. Search the member portal.

3. Submit a formal request citing your state’s laws.

4. Reach out to Shoreline Public Adjusters if you’re filing a claim.

Don’t wait until disaster hits. Knowing your coverage boundaries today can save you time, money, and stress tomorrow.

Need help getting your HOA master policy or filing a claim? Contact Shoreline Public Adjusters today for a free consultation. We’re here to support homeowners and condo dwellers across Florida, Minnesota, and Wisconsin.

Shoreline Public Adjusters, LLC
780 Fifth Avenue South
Suite #200
Naples, FL 34102

Email: hello@teamshoreline.com
Phone: 954-546-1899
Fax: 239-778-9889