[jerome33]

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I have talked to my neighbor on multiple occasions. Each time, they agreed to keep the noise down, but it has not happened. I’m afraid that if I talk to them again things may get violent or heated. I have no way of contacting their landlord as I do not have their contact details.

[jerome33]

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A typical master insurance policy for condos does not cover individual unit owners. It may cover common elements such as windows and shared walls, but not the ones physically inside your own unit. So yes, the short answer is you will need your own coverage.

[jerome33]

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Found this online – https://www.boginmunns.com/areas-we-serve/orlando-fl/real-estate-lawyer/homeowners-association/
Might help. Haven’t personally done business with them but they seem to have good reviews

[jerome33]

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“I think the problem here is that your board failed to follow proper procedures and instead took a shortcut. If they want to go against the CC&R’s, then they should take the proper steps to amend them first.”

I disagree that it is the board’s responsibility to amend the CC&Rs. If homeowners are having problems with the covenants and restrictions, they should initiate the change themselves. Most associations won’t allow amendments without approval from a majority of members.

[Author]

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