USAA vs HOA Home insurance - who covers
I had water damage in the interior of my home and have dwelling protection that is covered by USAA.
However my HOA also has insurance. The HOA master policy states both interior, exterior, and shared spaces are covered with a 10k deductible. however the HOA's CC&Rs state only shared/exterior is covered. The CC&R and Master policy are not aligned oddly. All damages in home are interior only.
Now USAA helped cover the initial 10k deductible but they are saying my HOA insurance should cover the rest due to master policy but the HOA is saying USAA needs to cover it due to the CC&R.
Which one is right? They both claim the opposite, the HOA says the CC&R overrides the master Policy and USAA says the Master Policy is the truth (i.e CC&R is not relevant).