Surely it's not 15% upcharge, way more than that, if they're smart, they have to cover in case you sue them in small claims court because they broke your $2,000 vase, you have all their info now. 3.

We're in a community property state, so in the event of divorce there's a REALLY good chance a court would treat it all as joint assets anyways. 

I have enough trouble just getting payoff amounts from them and getting them to release court cases.Now, if it was a smaller HOA without professional mgmt and collections, that would be worth a try.

Michelle Marty good luck with trying to enforce that in a court of law.

The respective insurance company on each claim is bound to find out of the other policy's existence and could (more than likely would) attempt to invoke the "excess" clause of it's own contract, potentially leaving the owner waiting for courts/arbitration to settle...

In FL after 2 years the tax certificate holder can technically go down to the court house and petition for the deed and they own the house for whats owed in taxes.Since they are on the brink of pretty much losing the home that way, I KNOW there has to be motivation.

.- divorce, get lists from the area county superior court.  

Find out what the judges have accepted in your area during security deposit disputes that went to small claims court.

Be sure to interview the management company as well - they should be on their very best behavior falling all over themselves to court you as a new potential client.Kind regards,Sara

The instrument is recorded at the court house, so you could lose your "copy" and you're still the owner.