Condo Insurance

Proof of Homeowner’s Insurance

Condominium owners at Suncrest Village (SV) are members of the SV Condominium Homeowners’ Association (SCVCA), a “Common Interest Community”. As members of the SCVCA, owners are expected to comply with the bylaws, rules, and policies set forth in the Bylaws and by the Association’s Board of Directors, which has been designated to act on behalf of the Association. To review the Bylaws, please click here.

This “Questions and Answers” page is intended to assist homeowners in complying with the homeowners insurance requirements and providing proof of insurance to the Suncrest Village Homeowners Association (HOA) management office.

Q & A. How much insurance should I carry?

The Suncrest Village Condo Association’s Bylaws require that every unit be insured against risk of loss including fire, casualty or other disaster for at least 100% of the replacement cost of the Unit and any improvements thereto. Most insurance companies recommend HO-6 policies for condominium owners. Special policies may be required for investment properties.

Q & A. Why am I required to provide proof of my homeowners insurance to the Board of Directors?

For the interests and investments of our HOA members, the Suncrest Village Homeowners Association Management Office is required to maintain a current proof of insurance document on file for every unit.

Q & A. What is an acceptable form of proof?

We require an official proof of insurance document issued from the homeowner’s insurance company. Depending on the insurance company, the document may be called a “Certificate of Insurance” or “Declaration” or “Evidence of Insurance”.

Q & A. How do I provide proof of insurance?

There are several options for submitting your documentation:

  • Drop off the document at the Suncrest Village HOA office (at the clubhouse) 9am-6pm, Monday-Friday.
  • Insert the document in an envelope in the “drop box” on the front porch of the Suncrest Village HOA clubhouse.
  • Mail the document to the:  Suncrest Village HOA, Attention: Mary Rose Giambrone, 1000 Suncrest Village, Morgantown WV 26505.
  • Attach a PDF of the document to an email and send to
  • Send this information to your insurance agent and have them email the document to us. See the following “Recommendation” for further information.

Recommendation for Homeowners

Since we are required to maintain a current copy of proof of insurance on file each year, the easiest way to manage this administrative task is to have your insurance agent add the “Suncrest Village Condo Association” as an “Other Interest” to your policy. The insurance company will automatically send us a copy of your Declarations whenever your policy renews or changes. There should not be a cost to include us, but please confirm that with your agent.  Documents may be mailed to our USPS address or sent via email to

Feel free to highlight, copy, and paste this sentence into an email and send it to your insurance agent so they will have the link to this page  and will be better able to assist you in including us as an Additional Interest on your policy. Link: