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LeisaK (North Carolina)
Posts: 20
Posted:
I'm recently become an HOA Condominium Board Member in NC and have a question regarding fire damage. There was no Ordinance of Law Insurance (previous board members voted against) and the previous board members only spoke to fire restoration contractors that said the buildings had to be torn down and rebuilt under new Building Code with Sprinkler System.
Backstory: The 2 buildings (2-story, 8 units in each built in 1990) were connected by an outdoor breezeway and stairwell. Only 4 units were completely burned (from cigarette butt thrown in pinestraw outside and ignited gasline going to building)...4 had some fire damage being 1-side adjacent to the burned units, 4 unit had minor smoke damage, 4 are still being lived in.
Would a structural engineer be able to determine if the units can be rebuilt/restored with building code updates (fire alarm system, smoke detectors in bedrooms and outside sleeping area, ets.) and the building not have to be demolished and completely rebuilt and with sprinkler system?
The buildings have not been condemned. I personally feel a structural engineer would give the HOA Board an impartial, unbiased opinion to start and then we could put out for Contractor Bids. Am I correct?
Our HOA Board is kind of a mess at the moment, so any advice on how to navigate this from someone with experience would be greatly appreciated!
SheliaH (Indiana)
Posts: 6,964
Posted:
I had to look up "ordinance of law insurance" and after reading it, I can't imagine what your previous board members were thinking to reject it.

I think your suggestion about getting a structural engineer is a good place to start and then the board will have to consider how to find the money for this. Unfortunately, I see a special assessment coming that's going to be REALLY expensive. Money may be why the previous board voted against the insurance - too bad they forgot that the main reason insurance exists is to protect people and organizations from huge, huge monetary losses....

If it is not right do not do it; if it is not true do not say it. Marcus Aurelius
LeisaK (North Carolina)
Posts: 20
Posted:
Yes, our board is a mess...members quit due to drama and egos. Current president caused all this drama (he was not voted in this position, he assumed it after President and VP quit because of his antics).
I've never been on a board before, so it's kind of a nightmare. I joined to help, but now I see why others quit.
SheliaH (Indiana)
Posts: 6,964
Posted:
Well, the president is one vote, just like everyone else. It seems to me the previous board members should have remembered they were there to help make decisions to benefit the entire community, rather than let this guy intimidate them. Having a massive ego is usually the first thing you see in board members who go rogue, and that's why you need to stop them immediately.

You don't say how many board members you have, but state your case and see if the others feel the same way. Hopefully, the rest of you can outvote this guy. Better yet, you might consider removing him from the position altogether - after all, he wasn't officially appointed. If he throws a hissy fit and threatens to quit, maybe the rest of you should say "Okie-doke, we accept your resignation effective today. Thank you and go sit down over there because you're no longer a board member."

Whatever else happens, stay focused on the issue at hand - part of your building is burned and you can't allow a damaged area to remain - either fix it (and yes, it will have to meet current building codes) or tear it down and move on.

If it is not right do not do it; if it is not true do not say it. Marcus Aurelius
GeorgeS21 (Florida)
Posts: 3,808
Posted:
Unless there was only one Board member left, and it was the one who made themself president, it couldn’t happen that way.

No one can “assume” ... unless everyone else quit.

How about straightening us out on what happened? Was this person the only board member?
LetA (Nevada)
Posts: 2,679
Posted:
I'm assuming your master policy will cover the structure? This ordinance of law insurance, is this just to insure the upgrades to current building codes? I would consult with a building general contractor and go over some figures with them. You may be able to roll just the required upgrades to meet current code into a special assessment to lighten the blow.
JeffT2 (Iowa)
Posts: 880
Posted:
Talk to your local government about what is necessary to get permits and rebuild. They regulate/administer the code and should be able to tell whether you really need to demolish or not.

What does your insurance adjuster say about demolishing vs fixing what is there?

In addition to the association's insurance, each owner usually has their own insurance on their unit. The owner's insurance may cover ordinance or law for their unit, which can include part the additions (smoke alarms, etc.).

Your "president" is not the president unless the board (at a proper board meeting with quorum) voted on it. There is no automatic succession like a king or pres of the U.S. In any case, you can elect a different person to be president at the next board meeting. Check your bylaws for this.

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