Insurance

Masked visitor. Photo by Susan Hamman.
Masked visitor. Photo by Susan Hamman.

Owner Maintenance Checklist

Downloadable Home Maintenance Checklist of things within the walls of your home that you should periodically check to avoid personal insurance claims.

Notes from the August 2024 presentation by Dianna Kaspar, CAU agent for the Sunland North insurance policy.

Deductible Changes – Notification Letter August 2026

Dear Division 17 Unit Owners,

The Division 17 Board discussed and approved changing the unit owner insurance deductible for water damage incidents from $10,000 to $30,000, detailed below.  The HOA experienced two major water damage incidents this year.  Water damage claims impact all 139-unit owners through our collective insurance policy, not just the unit in which the damage occurs.   We encourage the owners to take proactive action to minimize the risk from water damage inside their unit, the most common claim. 

The Board is taking this action to help mitigate potential significant increases in our CAU policy premiums.  The Division 17 Board of Directors approved the increase in the water damage deductible at the August 12, 2026 monthly board meeting.    

This letter is to notify you that the water damage deductible will increase from $10,000 to $30,000, effective October 14, 2026.  The deductible increase also affects per unit ice damming, sprinkler leakage, and sewer backup.

 The deductible is the unit owner’s responsibility where the incident occurs. 

Please reach out to your personal insurance agent to discuss this change and its impact on your HO-6 policy.  Your obligation to pay the deductible may be offset by your HO-6 Policy, subject to your own deductible, if you add building coverage.

We’ve previously sent out information to unit owners about ways to be proactive in detecting leaks before they become sudden outbursts of water. Check with your insurance provider to see if you may obtain a discount in your personal insurance by installing water sensor detection devices or interior water shut off valves.  Some insurance companies may offer a discount if you purchase and install their products. 

More tips about preventing water damage will be posted soon on the Division 17 website.

Once the change is made on October 14, 2026, the new certificate of insurance will be posted on Division 17’s website; www.sunlandnorthownersassociation.com .  Your mortgage company may require a new certificate of insurance specific to your address.  To have a new certificate of insurance e-mailed or mailed to you, please visit https://certrequest.cauinsure.com If you have any questions, please email insurance@sunlandnorth.org  or call Susan Hamman, Insurance Chair, at (360) 683-1800.

The text below is from the owner fact sheet. Though the sheet is dated at the bottom 2013, the information is current for 2025-2026.

You can download a copy of the May 1, 2026 to May 1, 2027, Certificate of Insurance 2026-2027 and Fact Sheet (PDF)

CAU form for requesting an individual Certificate of Insurance (PDF) Individual Certificate of Insurance Form

Contents of the Fact Sheet below.

Sunland Division 17 Owners Association

Welcome to Community Association Underwriters’ insurance program. This two-page fact sheet is designed to assist you in: 

      • Purchasing your own insurance
      • Filing claims
      • Ordering certificates of insurance

 Key information regarding the association’s insurance policy:

      1. The common elements, limited common elements and units are covered.
      2. Improvements and betterments and upgrades made at the expense of the current or previous unit owner are covered. This would include, but is not limited to, upgraded carpeting, cabinets and originally conveyed appliances. Wall coverings, built-in bookshelves and other permanently installed fixtures are also included.
      3. The covered causes of loss include: fire, lightning, windstorm, hail, explosion, riot, aircraft and vehicle damage, smoke, vandalism, falling objects, weight of ice, snow or sleet, collapse, sudden and immediate water escape or overflow from plumbing or appliances, frozen pipes, and convector units.

The association’s policy includes the following deductibles:

      • $10,000 Basic
      • $10,000 Water Damage
      • $10,000 Per Unit Ice Damming

Please refer to the actual policy for additional deductibles, terms, and conditions.

      1. No coverage is provided for wear and tear, deterioration, damage by insects or animals, settling or cracking of foundation, walls, basements or roofs. There is no coverage for damage caused by continuous or repeated leakage or seepage from appliances or plumbing. This includes, but is not limited to, leaking from around the shower, bathtub, toilet or sink. These events are properly classified as maintenance items.

Key information regarding unit owner’s insurance needs:

      1. You need a condominium owner’s policy, also known as an HO-6, to pick up coverage for your personal property, furniture, additional living expenses(in the event your unit is uninhabitable due to a covered claim), and personal liability.
      2. The association insurance policy carries a deductible. In the event of a claim, the association may seek to recover the deductible from unit owners involved in the claim. Your obligation to pay the deductible may be offset by your HO-6 policy, subject to your own deductible, if you add building coverage. Ask your personal insurance agent.

Claims

If you have a claim, notify your association’s management company or designated board member and your own homeowners insurance carrier. Claims that involve your personal property and furniture must be submitted to your homeowners insurance carrier.

Claim payments under this policy are made to your board of directors as insurance trustee.

Certificates Of Insurance

Unit owners can request certificates of insurance by either:

      1. Going to our web site at https://certrequest.cauinsure.com and follow the prompts. (or see the link above to the Individual Certificate of Insurance form)
      2. Calling (267) 757-7110 to obtain a CAU Certificate of Insurance Request Form. Send the completed form to CAU in one of the following ways:
        • Fax the CAU Certificate of Insurance Request Form to:

(267) 757-7410

      • Mail the CAU Certificate of Insurance Request Form to:

Certificate Department – CAU, Makefield Crossing – South Campus, 800 Township Line Road, Suite 325, Yardley, PA 19067

Web and faxed certificate of insurance requests are processed within 24 business hours.

We appreciate your association’s business, and we are committed to providing you and your community with prompt and professional service. If we can be of further assistance, please call our customer service department at (800) 228-1930.

Note: This fact sheet is intended to provide a brief summary of insurance issues. In all cases, the declarations, terms, conditions and exclusions of the actual policy will apply.

Edition Date: 04/13 Account: 20556 Policy: CAU510009-9

Page Views: 9,013