Currently, I have an HO6 policy; however my HOA has changed their insurance to basically only cover roofs and siding, so I have to cover party walls, foundation, windows, doors, and interior components.
Talking with USAA, I can get a HO3 policy which gives more coverage (wind and hail), and costs less. How would say a roof claim work in this case? Say HOA's insurance is primary, I get a 20k special assessment, would USAA step up and pay the 20k assessment minus my deductible?
Posted by Remarkable-Gain8797