I guy I knew called his HOA board "the communists", often to their face.

Since living in an RV parked in the driveway is against HOA rules

Attaboy!

The Navari’s didn’t just set up an RV and start living like Uncle Eddie in the Griswold’s driveway, dumping their sewage into the storm drain. They actually sought out permission from city officials first, and were approved.

“We called the alderman, the mayor was aware of it. We were told as long as I was approved by the homeowners (association) board, then we could get a temporary permit. They were OK with it,” Navari said.

Despite being told it was okay, one apparently heartless board member reneged on the decision and made it their mission to make the Navari’s lives a living hell.

Was that you paulsen?

Every day we are fighting to have this attorney deal with the insurance company so we can get our home back.

This is the real story that local 16 WAPT News Jackson has failed to report...the reason WHY the Navari's are struggling.

The Navari's were sold a homeowner's insurance policy that does not have to comply with the rules of the State of Mississippi. Even the State Insurance Commissioner says they are screwed...say what!

How many other homeowners in their state have the same insurance coverage...or lack there of?

Members of the Annandale Estates Board did not want to talk to 16 WAPT News for this story. A spokesman, instead, referred questions to Madison’s code enforcement director, Miriam Etheridge, who declined to say much except “rules are rules.”

Despite being told it was okay, one apparently heartless board member reneged on the decision and made it their mission to make the Navari’s lives a living hell.

You're confused because your article is intentionally confusing.

It was OK with the city. It was not OK with the Homeowners Association because it violated the rules everyone agreed to. They wanted the HOA to make an exception just for them because shut up. The HOA said no.

Miriam posts here.

"Je Suis Miriam"

The Navari's were sold a homeowner's insurance policy that does not have to comply with the rules of the State of Mississippi.

So THAT'S why it was only $100 per year!

So THAT'S why it was only $100 per year!

Did you make that number up?

The Navari's were sold a homeowner's insurance policy that does not have to comply with the rules of the State of Mississippi.

So THAT'S why it was only $100 per year!

The Navari's purchased insurance from a licensed insurance agent. With all the strict licensing procedure through the Mississippi Insurance Department how is the agent then allowed to sell unlicensed policies in the state?

Furthermore, adequate homeowner's insurance ought to be requirement NUMBER ONE for moving into an HOA, because nothing lowers property values like a burned out house right next door.

The HOA failed the Navari's for not giving them a careful review of the homeowner's policy.

Did you make that number up?

Yes. I was being sarcastic.

The HOA failed the Navari's for not giving them a careful review of the homeowner's policy.

Since when is an HOA responsible for their members' insurance policy? From what I've read, the insurance company IS honoring the claim -- they just can't agree on the amount.

This happened to me. I had storm damage to my roof. A roofer quoted a price. State Farm said they would pay a lower amount based on their estimate of the damage.

The two of them sat down and went over their estimates line-by-line, came up with an amount, and the work was completed to my satisfaction.

I'm thinking this homeowner is going public to force the insurance company to cave. Probably so one of their relatives can do the work at an inflated price.

Since when is an HOA responsible for their members' insurance policy?

A damaged house, especially one that is not being repaired, has far more negative impact than an RV sitting in a driveway.

What good is an association of homeowners who allow one of their members to be caught up in endless legal battles over their house insurance? Why not review insurance policies, pool their knowledge/experience, and actually provide assistance in this area?

Unless all they are concerned with is how the place looks.

This happened to me. I had storm damage to my roof.

This sounds very suspicious.

Sounds more like some misterwhitelightin' to me.

State Farm should have put you in review pending more evidence!

A damaged house, especially one that is not being repaired, has far more negative impact than an RV

Apparently not, since the fire damage was limited to the interior.

Moot point. The issue is not the damaged house. The issue is the RV in the driveway. Why can't they honor the HOA agreement and simply move it to a trailer park on a temporary basis?

This sounds very suspicious.
Sounds more like some misterwhitelightin' to me.

I was NOT on the roof making the damage worse to get a whole new roof. I was simply removing the loose shingles ... you know ... for safety reasons.

Apparently not, since the fire damage was limited to the interior.

That may not always be the case. Fires don't always stay contained. Windows get knocked out, walls and roofs collapse, etc.

If an association member has useless insurance (and doesn't know it), all the association members suffer.

Insurance reviews don't seem out of context especially when you consider that you must ask permission to go to the bathroom in an HOA.

I agree with you about the RV, move it to a RV park. This is Mississippi, stuff like that is dirt cheap there.

State Farm should have put you in review pending more evidence!

State Farm was great. They replaced the entire roof down to the rafters, new gutters and downspouts, and new lightning rods (we're in the country -- a must have). $20K in all.

Insurance reviews don't seem out of context

True, but where does that stop? Car insurance? Health insurance?

True, but where does that stop? Car insurance? Health insurance?

The homeowner's insurance review would be enough.

Imagine if you were a member of the board of that HOA (God forbid!).

You could have directed the Navari's away from that policy from Nigeria and given them some HOA options... State Farm being one of them.

You could have directed the Navari's away from that policy

I'm not convinced they had a bad policy. Seems to me they thought it should cover more than it does.

If you have hail damage to the siding on one side of your house (usually what happens), what's replaced by the insurance company? The damaged siding on the one side or the entire house?

Sometimes you don't know until it happens. Then you get into these kind of arguments.

State Farm was great. They replaced the entire roof down to the rafters, new gutters and downspouts, and new lightning rods (we're in the country -- a must have). $20K in all.

You are very fortunate, misterwhite.

State Farm agents have been known to call the cops over mistaken plant identification.

One look at those Mother-in-law tongues you have growing there on your patio...next thing you know the the swat team is duck walking you out to the front yard and all you have on are some rubber shoes and BVDs.

State Farm agents have been known to call the cops over mistaken plant identification.

Only if you've been late on three or more premiums.

I'm not convinced they had a bad policy.

I hope for their sake, and the HOA, that they get this resolved.

The average consumer is usually caught off guard, under extremely confusing conditions, to then find out that insurance is going to fight them all the way.

Sometimes you don't know until it happens.

Yes, my insurance recently raised my homeowner's rate by almost double. I went through an exhaustive review with them about coverage etc. Still not convinced they'll pay if I ever have a claim.

That might lower your premium.

Regardless, I'm glad you got your roof repaired. It's a comforting feeling to be protected from the elements!

We scheduled things such that they were able get the plywood and tar paper down before any bad weather.

State Farm said they would do the entire roof.

Great news!

I'll inquire about the "deductible to 1% of home value" as you mentioned.

I'll inquire about the "deductible to 1% of home value" as you mentioned.

Be aware that on a $400K house you're looking at a $4,000 deductible per claim.

But I've lived here 27 years and only filed that one claim. So even a small savings adds up.

[misterwhite #6] It was OK with the city. It was not OK with the Homeowners Association because it violated the rules everyone agreed to. They wanted the HOA to make an exception just for them because shut up. The HOA said no.

It appears they got an informal word of mouth from someone....

[Article] We were told as long as I was approved by the homeowners (association) board, then we could get a temporary permit.

It appears they were never approved by the Annandale Property Owner's Association, and never obtained the temporary permit from the city of Madison.

The problem for the city or POA is, if they make an exception for one, any future enforcement attempt will face legal challenge.

http://www.annandaleestates.net/sites/default/files/annandale_covenants.pdf

Annandale Estates Property Owner's Association Covenants, Conditions and Restrictions (1988)

Section 6. Prohibited Uses and Nuisances.

Except for the activities of the Developers during the construction and development of the Community, except for activities and uses expressly permitted (and not substantially inconsistent with the provisions of this Declaration) in a particular Neighborhood by the provisions of the Supplementary Declaration annexing the real property described therein to the Property, and except for things done pursuant to the prior written approval of the Architectural Review Committee, and except as may be necessary in connection with reasonable and necessary repairs or maintenance to any dwelling or to the common areas or community facilities:

[...]

(j) No structure of a temporary character, and no trailer, tent, shack, barn, kennel, outdoor clothes line or dryer, playhouse, shed or other building shall be erected, used or maintained on any Lot at any time.

- - - - - - - - - -

Section 12. Reconstruction after Fire or Other Casualty Loss.

In the event any dwelling is partially or completely destroyed by fire or other casualty, and in the absence of a resolution to the contrary by the Board of Directors, the Owner of such dwelling shall promptly clear the Lot or restore or reconstruct such dwelling, at his own expense, in accordance with the original plans and specifications or with such amended plans and specifications as may be approved in writing by the Architectural Review Committee the request of such Owner. The provisions of this Section shall not apply to condominium units, as defined in the Condominium Act, or to dwellings in a multi-family structure, or when in conflict with any law, ordinance, county, or governmental regulation or the like.

- - - - - - - - - -

Section 13. Enforcement - Right to Remove or Correct Violations.

In the event any violation or attempted violation of any of the covenants or restrictions contained in this Article shall occur or be maintained upon any Lot, or in the event there shall occur any other conduct in violation of any of the provisions and requirements of this Article, then the same shall be considered to have been undertaken in violation of this Article, and without the approval of the above-mentioned Architectural Review Committee, and, upon written notice from the Committee, such violation shall be promptly removed or. abated. In the event the violation is not removed, or is not otherwise terminated or abated, within fifteen (15) days (or within such shorter period as may be reasonably required in such notice) after notice of the violation is delivered to the Owner of the Lot upon which such violation exists, or to the Member responsible for such violation if the same shall be committed or attempted on premises other than a Lot owned by such Member, then the Association shall have the right, through its agents and employees (but-only after the Architectural Review Committee by resolution has so directed) to enter upon such Lot or premises and to take such steps as may be necessary to remove or otherwise terminate or abate such violation, and the cost thereof may be assessed against the Lot upon which such violation occurred, or against any Lot owned by the Member responsible for such violation, and, when so assessed, a statement for the amount thereof shall be rendered to the Owner of such Lot, at which time the assessment shall become due and payable and shall be secured by a continuing lien upon such Lot, and shall be a binding personal obligation of the Owner of such Lot, in the same manner (and subject to the same limitaions) as is provided in Articles V and VI of this Declaration. The Association shall have the further right, through its agents, employees or committees, to enter upon and inspect any Lot at any reasonable time for the purpose of ascertaining whether any violation of the provisions of this Article, or of any of the other provisions or requirements of this Declaration, exists on such Lot; and neither the Association nor any such agent, employee or committee shall be deemed to have committed a trespass or other wrongful act by reason of such entry or inspection.

https://library.municode.com/wi/madison/codes/code_of_ordinances?nodeId=COORMAWIVOIICH11--19_CH29BUCO

Madison, Wisconsin - Code of Ordinances
CHAPTER 29 - BUILDING CODE

29.03 - MISCELLANEOUS DEFINITIONS.

Mobile Home. A mobile home is a trailer designed and constructed for dwelling purposes.

- - - - - - - - - -

29.09 - CERTIFICATE OF OCCUPANCY.

[...]

(6)

Mobile Homes. No mobile home shall be occupied until such home has been inspected for proper connection of all utilities, electrical, heating and plumbing, and be approved by the Director of the Building Inspection Division. The Certificate of Occupancy fee shall include fees for one inspection by building, electrical, heating and plumbing inspectors. (Renumbered by Ord. 10,160, 12-28-90)

(7)

Compliance Statement. Prior to initial occupancy of a new building or addition, and prior to final occupancy of an alteration of an existing building, the supervising architect, engineer or designer shall file a written statement with the Department certifying that, to the best of his or her knowledge and belief, construction of the portion to be occupied has been performed in substantial compliance with the approved plans and specifications. This statement shall be provided on a form prescribed by the City of Madison. (Cr. by Ord. 12,566, 5-3-00)

(Sec. 29.09 Am. by Ord. 8081, 7-29-83; ORD-08-00109, 10-7-08)

It appears they were never approved by the Annandale Property Owner's Association, and never obtained the temporary permit from the city of Madison.

That was my understanding.

But they tried a third way -- taking their sob story to the Internet with the hope of putting pressure on the insurance company, the HOA, and the city to make an exception just for them.