tenant claim vs. HOA in California

I'm a tenant in a Orange County, Calif. HOA community filing a claim for contents damage from a storm flood in my garage. By law, all HOA Directors and board members have a fiduciary duty to hear your complaint, treat you with courtesy; offer a fair and reasonable help, but this has not been enforced with my claim against the HOA because "I'm not a owner, only a tenant." I am not a owner in the association but a tenant which forces me to consider a suit for discrimination.

I filed a claim against State Farm Insurance, the HOAS insurance company for damages suffered to my contents stored in the garage, which is part of a common area structure.

The board has been non-responsive and I continue to receive the run-around from both the insurance company and the board.

Please advise how the Attorney General’s office can assist me with this action or how to approach the HOA.

Thanks
Ar

I agree with Tim. Unfornately for you as a tenant, you have no contract with the HOA. You have one with the owner. That owner is the one with the rights to make a claim for the damage to THEIR property and NOT yours. If you didn't have rental insurance, then the loss is on you.

Honestly, I don't see you winning this fight and your not winning any friends either. It's best to take this as a lesson learned and move on. Your money is better spent on replacing your stuff than hiring attorney's for a fight you can't win nor should be engaged in.

Sorry, it's not the answer you want to hear. However, it is the honest truth. This is why it is important to have RENTER's insurance. It's your best option. The only other option is to go after your landlords insurance. But that is a bad idea and you probably find yourself evicted soon if you take that route...