real-estate
What is a declaration?
<p>I am following a conversation: </p>

<p>An owner claims there is mold inside.  He indicates that it was caused by a hurricane.  Hurricane / Flood Insurance indicates it is not covered.  I believe that the Associations Governing docs indicates that it is interior damage is the responsibility of the owner (not the association): is this correct?</p>

<p>This question of responsibility is fact dependent on what caused the mold, meaning who was negligent.  Also, <strong>we will need to examine your declaration to determine the parametric boundaries of the unit.</strong></p>

<p>QUESTION: What is a 'declaration' document in the last sentence?  Where is this normally found online?  Example would be appreciated.</p>

<p>According to <a href="https://www.irmi.com/online/insurance-glossary/terms/d/declarations.aspx" rel="nofollow noreferrer">this</a>, the declaration is the information that is specific to the insurance policy (i.e. name, location, policy limits, etc.) Therefore I would imagine that the sentence is referring to what is written in the policy, whether or not the interior is the responsibility of the owner. </p>

<p>Evidently the subject property is part of Property or Homeowner Association.  The "Declaration" is part of the governing documents of such an association.  <a href="http://www.nolo.com/legal-encyclopedia/whats-the-basic-governing-documents-homeowners-association.html" rel="nofollow noreferrer">Further reading here</a>.</p>
