Rockland County condos
Who insures the inside of the unit?
Type the address. In about a minute you get the answer straight from the recorded bylaws: whether the master policy covers everything, only the original build, or just the shell. With the clause it comes from, the full PDF, and a place to ask about a specific loss.
Master covers everythingKitchens, floors, cabinets, fixtures, even upgrades. The HO-6 only needs contents.
Master covers the original buildAs the builder installed it. Owner upgrades fall on the HO-6.
Master covers the shell onlyRoof and bare walls. Everything inside the unit is on the HO-6.
Recorded declarations, Rockland County Clerk
NY Attorney General offering-plan list
Free for brokers and agents
How it works
Enter the addressWe match it to the condo on the Attorney General’s offering-plan list.
We pull the declarationThe recorded declaration and bylaws come from the County Clerk, page numbers included.
You get the answerA one-line verdict, a colored house drawing, and the exact clause. Then ask about a specific loss.
What a result looks like
The verdict
Master policy covers everything
Including kitchens, floors, cabinets and fixtures, even upgrades the owner made. The owner’s policy only needs to cover furniture and belongings.
Inside of the unitMaster policy
On a water or fire lossMaster policy responds first, including cabinets, floors and fixtures
Where it says soArticle X, §2 — “all improvements and betterments”
Baruch approves every account personally, usually the same day. Tell him who you are.
or
By continuing you agree to the terms and privacy policy.
Water or fire damage in a condo?Red Elephant handles the mitigation and knows the bylaws.
Call 845-608-1888