Real Estate Law
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I am sorry to hear about this situation. To clarify please, does your mortgage contract require wind coverage?
This is not an answer, but an information request. I need this information to answer your question. Please reply, so I can answer your question. Thank you in advance.
I have not had a chance to render an answer. I sent one information request twice, which was "does your original contract require wind insurance?" This information is needed to answer your question and without it, I could not do so. no one could. Also, there is no additional cost for the back and forth.
Anyhow, I am sorry that you are not happy. You can contact customer service at www.justanswer.com/help for a refund. All the best!
With all due respect, you are incorrect. The answer hinges on your original loan contract and any modifications to said contract. Also if the mortgage does indeed have that requirement but has tacitly waived the requirement, the doctrine of promissory estoppel may apply. Finally, there is the matter of whether or not the Association's bylaws and CC&Rs have requirements for wind coverage.
As you can see, this is not as simple as originally thought. Regardless, I wish you the best.