Homeowners HO-6 and the Condo Association Policy Deductible

Our HO-6 insured suffered covered water damage from plumbing to their unit. When we reviewed the Condo Association policy, it appeared the Condo Association was responsible for insuring the building, including the units, except for the insured's own additions and alterations and personal property. The Association policy had a $1,000 deductible.

Our insured has $5,000 coverage A and the damage is $998. Should the HO-6 provide coverage, since the Association will not be submitting a claim? It seems that the HO-6 is covering the Association's deductible. How does this fit with the "other insurance" clause, that states the homeowners insurance "will be excess over the amount recoverable under such other insurance"?

Massachusetts Subscriber

The HO-6 will respond to the insured's claim. The wording of the homeowners "other insurance" clause does not contain the wording, as do many other "other insurance" provisions, that the coverage will be excess "over other insurance, whether collectible or not." The recoverable amount in this instance is zero, so the HO-6 pays for the covered loss.