How do I sue my homeowner’s association in California for their responsibility for the damages sustained to my home? Do I need a real estate attorney?
Where I live in Oceanside, CA, a homeowner association owns and maintains the outside of my condo. My home has water intrusion and mold damage. Possibly the leaks are from the poorly maintained stucco. I have homeowner's insurance on the inside of the home and I own the roof. If my own insurance won't cover it do I sue my HOA?
My HOA insurance (of which I pay my portion) has a $25,000 deductible. Am I responsible to pay the deductible and then try to get my money back from the HOA if the damages were caused by them?
I have two water intrusion and mold reports which my own insurance is reviewing to see if they will accept my claim. I can't be sure of the leak source until the walls are opened up. Help! Other than trying to pinpoint the source of the leaks, where do I begin in surveying the property damage and getting compensation from my HOA?