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Insurance

Winterhaven Unit Owners' Association Master Policy Information:

Agent: Jonathan Kyle
Mountaineer Insurance Services, Inc.
P.O. Box 242
Daily, WV 26259
(304) 338-2902
www.mountaineerins.com
jonathan@mountaineerins.com

Master Policy:

Master Policy Deductible

  • The deductible is $5,000.

  • If a claim is filed, the unit owner will be assessed the deductible when it is for components of a unit.
Individual Owner Insurance Policies
  • The Executive Board strongly encourages all Owners to purchase an individual owner's policy, known as an HO-6 policy, to provide contents coverage and liability protection for the owner or the owner's guests/lessees.This is especially important if a unit is being rented out.
  • The policy should provide at least $5,000 of Loss Assessment coverage. 
  • It is recommended that owners purchase a policy from the same company that writes the master policy. When dealing with common property and unit property, claims involving two insurance companies can be messy and different insurance companies may define their responsibilities differently. In the event of a loss, having one insurer will make the claim process simpler and will ensure that all property is covered. In addition, the agent that represents the Association will be aware of the particular coverages an owner should have when purchasing a policy.