Legal Question in Real Estate Law in Florida

Directors and Officers/Errors and Ommissions

Our homeowners association is in violation of several corporate laws; unappropriated spending, improper record keeping, making decisions in direct conflict with our by-laws, etc. I cannot afford to hire a lawyer to take them to court. The state statutes and the local laws are created without a policing ability. My question is: Can I file an insurance claim under D&O/E&O and if I can how would I proceed?


Asked on 11/26/00, 7:49 am

1 Answer from Attorneys

Randall Reder Randall O. Reder, P.A.

Re: Directors and Officers/Errors and Ommissions

The smart aleck answer is that anyone can claim anything.

Just write to the insurance company. However, I

doubt that will do any good.

The procedures for filing claims under insurance policies

are usually contained in the policies themselves.

I believe, however, you will find that you do not

have a right to file a claim. D&O/E&O policies

are usually written to insure the directors. They

would have to make a claim. I would not expect them

to do so unless they were sued or threatened with suit.

Though you may not be able to afford an attorney,

you may find one who would take the case on a contingency

basis. I strongly suggest you seek the advice of

an attorney.

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Answered on 12/18/00, 8:35 am


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