California E&S Insurance

The thing is, you nor your tenant would ever have been aware had the neighbor below not called the HOA. >I received a call from our HOA association manager that the owner of the unit below suddenly reported water coming through a light directly below our tub (there was zero history of any previous leak or seepage). This is a huge indicator that there was indeed no damages to your unit from the initial water loss, only the ensuing ingress.

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