Los Escondidos at Camelback

What Los Escondidos at Camelback's governing documents say

This document is an amendment to the Declaration of Covenants, Conditions and Restrictions (CC&Rs) for Los Escondidos at Camelback, a single-family home HOA community in Phoenix, AZ. It updates only the insurance provisions (Article VI) and does not contain the full CC&Rs. It specifies insurance requirements for the association and each lot owner.

• What this document covers: This amendment revises insurance sections, including the association's duty to obtain coverage (property, liability, fidelity, workers' comp) and each owner's obligation to carry fire and extended coverage on their buildings/improvements at 100% replacement cost, plus liability insurance.
• Association insurance: The association must carry a comprehensive multi-peril policy on common elements, a general liability policy with $1,000,000 per occurrence minimum, fidelity coverage covering those handling funds, and workers' comp if needed. Premiums may be paid as a common expense or assessed per lot as an insurance assessment.
• Owner insurance obligations: Each owner must maintain fire and extended coverage on their lot, patio home unit, and all improvements, with replacement cost coverage of at least 100% of replacement value. Owners must provide the board with proof of insurance and at least 10 days' notice of cancellation (30 days if the owner cancels).
• Consequences for non-compliance: If an owner fails to provide insurance documents within 10 days of a written request, the board can purchase insurance on their behalf, charging the cost as a delinquent assessment. If an owner's insurance is insufficient to cover damage, the owner is personally liable for repairs and must indemnify the association.
• Non-liability of association: Neither the association nor board members are liable if risks are not covered or coverage is inadequate; each owner must verify their own coverage and obtain additional insurance as desired.
• What this document doesn't cover: This amendment does not include other typical HOA rules such as use restrictions, architectural guidelines, pet limits, leasing rules, age restrictions, or maintenance responsibilities. Those would be in the original CC&Rs or other documents.

Plain-language summary generated from the governing documents on file for this community. It may be incomplete and is not legal advice — read the full documents below or consult the official recorded versions.