When water damage strikes your condo or home in an HOA community, the first question is often: "Does HOA insurance cover this?" The answer isn’t always clear—and if you live in Florida, Minnesota, or Wisconsin, the rules can vary depending on your location, your HOA’s bylaws, and how the water damage occurred.

In this article, we’ll cover everything you need to know about HOA insurance and water damage. We’ll explore what HOA policies typically cover, common exclusions, who’s responsible in real-world scenarios, and how coverage rules differ by state. You’ll also learn exactly what steps to take if your HOA or insurance provider denies your claim—and how a licensed public adjuster like Shoreline can help fight back.

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.