MY hoa is billing me for a garage door which was broken into during a robbery. I gave them police report to file insurance. Now they r billing me.

Asked by Karrie, 60451 Mon Mar 7, 2011

I received a collection notice . I don't believe that I should be liable to pay this debt. The hoa billed me for replacement of a garage door. My garage was broken into and bicycles and other items were stolen. I filed a police report when this happened. The hoa came to my house and asked me what happened and I told them that my garage was broken into and that I would have it repaired. They told me that I could not repair the garage myself and that it was the Association's responsibility to repair garage doors. They asked me if I could get the police report number for them so that it could be filed with the insurance. I did provide them with the police report number and then they came back at me with this bill for $403.00 to repair the garage door. I don't believe it should have cost this much to repair the door and I don't believe that I should be liable to have to pay for it since it was something that was out of my control

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28
Riccardo War…, Agent, Bolingbrook, IL
Tue May 28, 2013
Well, at the end of the day, this is a question for an attorney. However, for the price of an attorney, it may not be worth it to wage this battle legally. You may just be better off paying the bill..

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1 vote
I would call the HOA and see why they're doing that. They can probably explain the entire process to you and possibly fix the mistake. They should help you with everything you need. Good luck and I hope everything works out for you! http://premierdoorcorp.com/OtherProducts.htm
Flag Tue Jan 13, 2015
I think Riccardo has a point. I don't think it's fair that you're expected to pay the bill, but it may not be worth hiring a lawyer. You may just want to repair the door yourself. If you lose the case it would be a big financial burden. http://www.crawforddoornv.com/
Flag Tue Nov 11, 2014
BG, Home Buyer, Phoenix, AZ
Mon Mar 7, 2011
for $400 bucks and you try to take on HOA ?? when it is your house and you have home insurance ? I don't know about the in and out of your HOA CC&R; however, I can tell you this: $400 will balloon up to thousands in no time if you try to fight. The proper (safe) way is to pay the bill now and then file a motion with the HOA board for review. You will have to come before them to justify your reasoning. If they still don't agree then hire an attorney ( good luck finding 1 that will accept less than $400 buck to represent you in HOA or small claimed court).

ps: I don't see how you can shift this expense to HOA and have them liable for it. Read your CC&R.
1 vote
You guys are right, you always have to discuss this with the HOA in advance. I really hope that you're able to get your garage door repaired though. That is really a pain to have to go through all of this. I hope that you're able to get at least some of the expense paid for. http://www.aaapanelsandrollerdoors.com.au/garage-doors-and-repairs
Flag Thu May 21, 2015
I agree, I think it should be taken care of without involving the HOA. Rather than replacing the whole door, there are garage door repair services that can fix it for much cheaper. Either way, I would take care of it sooner than later.
http://www.redlandsgaragedoorrepair.com/
Flag Wed Oct 1, 2014
George Slowi…, Agent, Frankfort, IL
Mon Mar 7, 2011
Your best course of action would be to have an attorney review your HOA documents to see what your liability/responsibility is versus the HOA's.
1 vote
I would call the HOA and inform them all the steps you took and ask them if you need to do anything else for the insurance to file through. If you are polite and easy to work with the HOA will be more likely to help you in a timely manner. Try to be firm, but also polite. http://www.crosstowndoors.com
Flag Sat Jan 3, 2015
John mith, Home Buyer, New York, NY
Sun Mar 27, 2016
i think $403 its too high for jut a repair becaue a new garage door will start from $600 and this is included the material a well.
check this garage door repair company next time
http://www.plano-garage-door.us
0 votes
Nancy 2006, Home Buyer, Newport Beach, CA
Tue Jun 30, 2015
When you just bought your home, you have to sign HOA agreement and accept all the rules of the HOA. You better check those agreement before waste your money to the attorney or time to argue what you already signed to accept.
0 votes
Caleb Hart, Renter, Orem, UT
Tue May 26, 2015
There are a few things that I would do. I would talk to a garage door service worker and talk price. They know how much garage doors generally cost. You can get some estimates and quotes and compare that to their price. Then you'll know if they are charging you the right amount. http://www.bicknellgaragedoor.com/versailles-garage-doors.aspx
0 votes
Jackson Will…, Home Buyer, Provo, UT
Fri Apr 17, 2015
It's possible that the HOA is responsible for repairing it because they have to maintain a certain standard accross all homes within the association. That doesn't necessarily mean that they're paying for it though. A lot of the times you'll still be liable for the repair. I would suggest talking to your home insurance agent about this. They might be able to help you a bit with the costs.
http://www.garagedoorsofnaples.com/Service.cfm
0 votes
Mark Leach, Home Buyer, Pine Bluff, AR
Mon Dec 15, 2014
This is a pretty sticky situation. I think that if they are billing you, it must be somewhere in the contract stating that you are responsible. I think that the owner is usually always liable for repairs on their own house.
Mark Leach | http://www.garage-door-store.com
0 votes
Jackson Will…, Home Buyer, Provo, UT
Fri Dec 12, 2014
You should talk to some technicians that work on garage doors. You can ask them if that price is realistic for somebody to pay after insurance. If they tell you that the price is too high, then you should talk to the HOA and make sure that they didn't make any mistakes with the bill they gave you. Trying to figure out why the bill is so high before you confront them would be a good way to go.
http://www.auroraoverheaddoor.ca/en/markham.html
0 votes
Jackson Will…, Home Buyer, Provo, UT
Tue Nov 18, 2014
You need to loom through your HOA documents. If they say that they'll take costs like these it is their responsibility. It's more likely that this will be your responsibility to pay for. If you owned your own property this would be your responsibility to cover either out of pocket or with insurance. If you want to find someone who will fix it for cheaper and fight for that lower price you might be able to get that done.
http://www.walpoledoors.com
0 votes
Zach Thalman, , Midwest, WY
Wed Nov 5, 2014
I would talk to an attorney because your insurance should be covering this or at least be in that process. I would make sure you contact your insurance company to make sure that they are still working on it because that would be really unfortunate if you are stuck with that bill.

Zach | http://www.coastcompins.com/coastcomp-homeowners-insurance.nxg
0 votes
Kiara Jane T…, Home Buyer, Kansas City, MO
Tue Nov 4, 2014
I had a similar situation last month. There was a car accident in front of my house, leaving my garage door in pieces as well as part of the wall. I was responsible to pay for it even though they had the case number for the accident. Having a lawyer fight for you would cost more than the initial payment. http://www.cdsdoor.com/service/commercial-service.html
0 votes
Bob Brandt, Agent, Schaumburg, IL
Sun Oct 19, 2014
I am not sure if questions ever expire-perhaps they should so they are nor being constantly resurrected. This one is from 3 1/2 years ago.
0 votes
Dorene Slavi…, Agent, Torrance, CA
Thu Sep 18, 2014
Your homeowners insurance should cover these costs if the HOA is refusing to do it.
0 votes
Terry Bell, Agent, Santa Rosa, CA
Wed Jun 25, 2014
You probably have your own homeowners insurance and you might file a claim with them. They might have more influence with the HOA than you!
0 votes
karablader, Home Buyer, Utah County, UT
Thu Jun 19, 2014
You could call a company that does industrial garage door repairs. They will be able to give you an estimate of how much it might have cost. That way you can have a little better idea about how much your insurance could charge you fairly. What a frustrating situation you are in.
0 votes
Kara Blader, Home Owner, Salt Lake City, UT
Thu Apr 3, 2014
Things like this can get messy very quickly. It's up to you what you decide to do but that's about how much it costs for garage door repair in general. I would be nervous to try to fight it. Sometimes it's better to just go with the flow, even if you don't think it's fair.
0 votes
Kara Blader, Home Owner, Salt Lake City, UT
Fri Nov 22, 2013
Something similar happened to me and I ended up having to pay for garage door repair in Glendale AZ. You win some and you lose some, right?
Web Reference:  http://www.cooksonaz.com
0 votes
Terri Vellios, Agent, Campbell, CA
Mon Oct 21, 2013
I suggest you review the rules in your HOA documents regarding the responsibility of the Garage Door. You can also get your insurance company involved. If both the HOA and you have insurance to cover this, look at your deductibles for both.
0 votes
Kara Blader, Home Owner, Salt Lake City, UT
Mon Oct 21, 2013
We priced our garage door repair in Richardson TX by calling around to numerous companies and getting quotes from them. This will help you to know if the bill was way too much or not. Good luck!
Web Reference:  http://planooverhead.com
0 votes
Bob Brandt, Agent, Schaumburg, IL
Fri Mar 29, 2013
In many HOAs it is the homeowners responsibility to replace garage doors, windows and other doors, but the they want to make sure you choose the right types. Perhaps reading your by-laws would be a good idea.
0 votes
David Cooper, Agent, Los Angeles, CA
Mon Apr 11, 2011
I never, ever try to get my name noticed by the HOA. If you get someone really upset, the notices of infractions will just keep on coming. Pay the $400 and stay below the radar,

David Cooper. Las Vegas Foreclosure Investor in Bank Owned Houses with huge Cash Flow. Call for FReee
list. +1-7024997037 not a real estate agent.
0 votes
Allen Walsh, Agent, New Lenox, IL
Mon Apr 11, 2011
In situations like this I would recommend contacting a member of the hoa to see if they could work things out with you-if they failed to provide you with a situation that you felt was fair then I would contact an attorney to try to seek out some legal advice. Please contact me if I can be of some help.

sincerely al walsh 708-710-4275
0 votes
If it is a Common Property, the HOA Insurance Company should pay for the fill and damage. Not the homeowner. This is why HOA have insurance. You should contact an attorney to get some advice before you pay the bill and can't you get your money back. This is considered "Common" area.
Flag Mon Jan 6, 2014
Dallas Texas, Agent, Dallas, TN
Tue Mar 8, 2011
Best to review the HOA guidelines provided the guidelines of these issues... no one can render an opinion OR speak with attorney

Lynn911 Dallas Realtor & Consultant, Loan Officer, Credit Repair Advisor
The Michael Group - Dallas Business Journal Top Ranked Realtors
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0 votes
John Walin, Agent, Libertyville, IL
Tue Mar 8, 2011
Karrie,
Sorry to hear about your situation. HOA's have conformity restrictions and they probably didn't want you to buy a door from HOBO or Menards that didn't match the neighbors. The cost of repair should fall under your homeowners policy just like the bikes that were stolen, the consequential damage is covered. $400 for a replacement door installed doesn't sound out of line to me.
0 votes
Jerry Grodes…, Agent, LOda, IL
Tue Mar 8, 2011
Karrie,
There isn't any governing of HOA's. If bi-laws are passed and recorded with the county, you are subject to them... hence they can get away with most anything. Single garage doors start at $400 & double start at $800 plus installation.
0 votes
Benjamin Car…, , Las Vegas, NV
Mon Mar 7, 2011
You should be liable to fix it. It is your house. Either you or your insurance company have to pay. It does sound like they are overstepping their boundaries by making you go through them.Depending on the length of time it has gone unfixed. If you have read the news lately, the CIA is conducting a huge probe on HOA's and the collusion that occurs. They guide you to their contractor's or give contractors jobs with an huge mark up, most of the time somebody on the HOA board owns the company or has a close relationship to the company, that gains the winning bid. HOA's are much bigger than a lot of people realize. They, and probally not all of them, are not above a little old fashioned collusion. With this being said, they are pros. you may want to contact the BBB for more help on this. The HOA contracts tend to be very long and you should seek the help of an attorney on this one.
0 votes
Suzanne Hami…, Agent, Orland Park, IL
Mon Mar 7, 2011
Karrie -

Sorry for your theft. That is so unfortunate. The problem with HOA's is that their management is absolute, as long as it is in writing. If you have an HOA not a condo association, you should own your property and you should be able to fix it yourself, but it just may have to be done the exact same door or same color or whatever. You are responsible for it either way - or your insurance is.

My advice is to check your association docs and bylaws to see what the requirements and the rules of the association are. If you are not getting satisfactory treatment from your property manager, ask to speak with a condo board member or the board president. They would be one of your neighbors.

And for the future, I always encourage people to get involved in their association. Many people don't, but if you don't get involved, or at least go to the meetings, you have no voice and the powers that be can dictate anything they want.
0 votes
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