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 SCVCA’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. See pages 4-7, 33, and referring sections/pages of the bylaws. Most insurance companies recommend H-6 policies for condominium owners. Additional liability protection is recommended for potential damages and injury caused to others and/or their property.  Special policies may be required for investment properties. Your insurance agent should advise you on the most appropriate policy and additional options.

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 at Suncrest Village.

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”. Photos of your documents and/or paid statements will NOT be accepted.

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

There are several options for submitting your documentation:

  • Send this information to your insurance agent and have them email the document to us. See the following “Recommendation” for further information.
  • 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

Recommendation for Homeowners

Since we require a current proof of insurance on file each year, we recommend that homeowners have their insurance agent add the “Suncrest Village Condominium Association” as an “Additional or Other Interest” to their policy. By doing so, the insurance company should automatically send us a copy of the policy Declarations/Evidence of Insurance document whenever the policy renews or changes.

There should not be a cost to include us, but please confirm that with your agent, and ask if they will automatically send the documents to us. If they will not, you will be responsible for providing us with a renewal document each year.

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 may review this page and assist you in including us as an “Additional” or “Other Interest” on your policy.