In my opinion, your most reliable source of information about what is and is not covered by your HO6 policy is your insurance agent or broker. HO6 policies come in all sizes, colors, and flavors, and can have a myriad of different endorsements.

If your policy has an item called "Loss Assessment", you may very well be covered and can file a claim. Here is my ins co's definition of Loss Assessment:

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Loss Assessment
Coverage D

This valuable condominium unitowners insurance coverage is uniquely designed for owners in condominiums/ associations. It recognizes the potential for owners to be assessed for certain kinds of loss. Here are examples of circumstances that might require the condominium association to assess all unit owners:

* Someone is seriously injured on common property (perhaps at a swimming pool) and the courts award a judgment that's higher than the amount of liability coverage provided by the condominium/association policy.
* Major damage occurs to commonly owned buildings and it is not fully covered by insurance.

For covered losses, loss assessment coverage would pay your share, up to the limit of coverage you select. You should review the need for this coverage with your agent and buy an appropriate amount of coverage.
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Your best bet is to check with your ins agent or broker.

Good luck!

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Thanks for responding. I did call my insurance agent and all they could say was open a claim and we will send out the adjuster. They couldn't tell me what to submit, nothing. I have Liberty Mutual. I have coverage for it. I thought with all the Sandy damage, that someone might be able to speak from experience.

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From my experience with insurance companies, they view each claim as unique. They will not commit to anything until an adjuster has had a chance to survey the loss and issue a report. This is a neutral process - the adjuster may find issues which will increase your reimbursement(s).

Suggest you follow their procedure, submit a claim in their requested format, and see what happens. If, after the adjuster has visited the site and issued her/his report, they will ask for additional information if they need it. Submitting a claim sounds like it's the only way to get the ball rolling.

This is just from my experiences. Others may have different advise.

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