Hello,
I’m new to this group and this is my first post. I apologize if this post is not correct in any way.
Please let me explain our situation. We purchased a MYLR in January of 2023 when there was a price drop. We live in a condominuim and so reached out the our HOA to gauge how they would respond to our desire to have a wal connector installed in our parking spot. They referred us to Florida statute concerning this (Chapter 718 Section 113 - 2020 Florida Statutes - The Florida Senate) which reads as pro-EV indicating HOAs may not prevent a condo owner from installing a wall connector in their own parking spot at our own cost. This sounded reasonable to us so we proceeded with the purchase and started looking for electricians.
This endeavor has turned out to be a nightmare. Most of the electricians we attempted to get quotes from refused to quote the job with the HOA intimidating the contractors at every step. Consequently we were only able to find one electrical company willing to work with us and the HOA. The job requires us to have a separate meter managed by our electrical company and a 150’ conduit run from the electrical vault to our parking spot. The quote we receive for this job was $12,000. This seemed excessive to us but assumed the premium cost was due to issues having to work with an HOA, beside the fact we could not get any other electrician to give us a quote. The entire year of 2023 was spent dealing with the HOA’s ever changing requirements, lies and lawyers. We finally thought we were getting somewhere when, on the boards final session before the new board was voted in, during the beginning of 2024, they approved us to install our wall connector. We thought we would finally have our wall connector until the HOA presented us with a contract to sign with 18 stipulations.
This brings me to the reason for my post. Stipulation 10 is concerns insurance and reads as follows:
10) Owners must provide a certificate of hazard and liability insurance within fourteen (14) days of installation and name the Association as an additional insured on their owner’s policy for any claim related to installation, maintenance, or use of the vehicle charging station in the amount of at least $300,000. The Association may enforce payment of such costs pursuant to s.718.116.This policy must be maintained as long as the charging station remains in place and the Owner must provide a new certificate upon renewal. Failure to maintain such insurance shall require removal of the charging station and all equipment within 14 days of the lapse of the policy.
I would like to point out that the statute 718.113 (f)4 indicates: 4.Provide a certificate of insurance naming the association as an additional insured on the owner’s insurance policy for any claim related to the installation, maintenance, or use of the electric vehicle charging station within 14 days after receiving the association’s approval to install such charging station.
Given this we thought we could just have the association added as “additional insured” to our home owners insurance and that would cover their demands. We contacted our insurance agent and they would only agree to add our HOA as “additional interest” stating:
It has been suggested that our current car insurer Geico might be able to cover this but we were unsure about this. I just noticed that Tesla has an “Electric Vehicle Protection Package” including coverage for a Tesla wall charger and Tesla electronic key replacement but Tesla insurance is not yet available in Florida. I would like to know if anyone else has had to find this coverage and where they got it. I would also like to know if anyone has any other advice or thought on dealing with HOAs. If there is a lot of interest in the subject of dealing with HOAs perhaps it could be added as another channel or group or whatever it is called.
Thank you for your time and reading my post I look forward to any responces.
Have a nice day.
I’m new to this group and this is my first post. I apologize if this post is not correct in any way.
Please let me explain our situation. We purchased a MYLR in January of 2023 when there was a price drop. We live in a condominuim and so reached out the our HOA to gauge how they would respond to our desire to have a wal connector installed in our parking spot. They referred us to Florida statute concerning this (Chapter 718 Section 113 - 2020 Florida Statutes - The Florida Senate) which reads as pro-EV indicating HOAs may not prevent a condo owner from installing a wall connector in their own parking spot at our own cost. This sounded reasonable to us so we proceeded with the purchase and started looking for electricians.
This endeavor has turned out to be a nightmare. Most of the electricians we attempted to get quotes from refused to quote the job with the HOA intimidating the contractors at every step. Consequently we were only able to find one electrical company willing to work with us and the HOA. The job requires us to have a separate meter managed by our electrical company and a 150’ conduit run from the electrical vault to our parking spot. The quote we receive for this job was $12,000. This seemed excessive to us but assumed the premium cost was due to issues having to work with an HOA, beside the fact we could not get any other electrician to give us a quote. The entire year of 2023 was spent dealing with the HOA’s ever changing requirements, lies and lawyers. We finally thought we were getting somewhere when, on the boards final session before the new board was voted in, during the beginning of 2024, they approved us to install our wall connector. We thought we would finally have our wall connector until the HOA presented us with a contract to sign with 18 stipulations.
This brings me to the reason for my post. Stipulation 10 is concerns insurance and reads as follows:
10) Owners must provide a certificate of hazard and liability insurance within fourteen (14) days of installation and name the Association as an additional insured on their owner’s policy for any claim related to installation, maintenance, or use of the vehicle charging station in the amount of at least $300,000. The Association may enforce payment of such costs pursuant to s.718.116.This policy must be maintained as long as the charging station remains in place and the Owner must provide a new certificate upon renewal. Failure to maintain such insurance shall require removal of the charging station and all equipment within 14 days of the lapse of the policy.
I would like to point out that the statute 718.113 (f)4 indicates: 4.Provide a certificate of insurance naming the association as an additional insured on the owner’s insurance policy for any claim related to the installation, maintenance, or use of the electric vehicle charging station within 14 days after receiving the association’s approval to install such charging station.
Given this we thought we could just have the association added as “additional insured” to our home owners insurance and that would cover their demands. We contacted our insurance agent and they would only agree to add our HOA as “additional interest” stating:
The HOA confirmed that they would not be satisfied with this. So we are again facing another road block. Talk of us moving out or giving up on the wall connector all together has come up.Adding the association as an additional insured on a policy creates a huge exposure and that is why most companies will not.
It has been suggested that our current car insurer Geico might be able to cover this but we were unsure about this. I just noticed that Tesla has an “Electric Vehicle Protection Package” including coverage for a Tesla wall charger and Tesla electronic key replacement but Tesla insurance is not yet available in Florida. I would like to know if anyone else has had to find this coverage and where they got it. I would also like to know if anyone has any other advice or thought on dealing with HOAs. If there is a lot of interest in the subject of dealing with HOAs perhaps it could be added as another channel or group or whatever it is called.
Thank you for your time and reading my post I look forward to any responces.
Have a nice day.