It is likely because the proof of insurance you previously provided has expired, and we have not received the renewal policy documents. If you haven’t already named the association as an additional interest on your policy, you should consider doing so. Your carrier will then send updated documents via mail automatically without the need for personal intervention by you or your agent. The mailing address for this is our office, 1000 Mid Rivers Mall Drive, Ste 6, St. Peters, MO 63376. If you have already done this and still received a notice, it’s likely because we haven’t received it in the mail. While usually successful, of course, sometimes USPS can be delayed or mail can get lost, but most of the time this works fine to ensure we receive ongoing renewal documents without needing you to take any actions.

Your association, unlike most other attached living communities, does not carry a master insurance policy. It is necessary for each homeowner to fully insure their own property, the same as they would a single-family house. However, since you are attached to other neighbors, there is also a degree of liability if you were to have a fire, flood, etc. where your neighbor could also be affected. To ensure everyone is properly insured, especially for the safety of their neighbors, your community’s governing documents require proof of current insurance to be kept on file with the association at all times.

Belmonte Landing does not carry a master property insurance policy — each owner insures their own home — but the association does maintain certain association-level coverages, and any questions about the association’s insurance should be directed to its broker. As property management, even if we believe we know the answers, we’re not qualified to answer these questions and may omit important information. Your agent can contact the broker using the information below:

Brokerage: The Daniel & Henry Company
Agent: Jim Ruebsam
Phone: (314) 444-1993
Email: ruebsamj[AT]danielandhenry.com
Replace the [AT] with the “@” symbol when sending an email.

Please click here to submit your request. It will be automatically processed by the association’s insurance broker. You will need to attach a copy of the letter you received, specifically the portion including the mortgagee clause. This is usually the name of the mortgage company, their address, and may include other information like your loan number. A photo of this instead of a true scan of the document is fine as long as the picture is clear enough for the broker to read.

Belmonte Landing is unusual among attached-home communities in that the association does not carry a master property insurance policy. Each homeowner must fully insure their own home, including the structure, much as the owner of a single-family house would. Because the homes are attached and a loss in one can affect a neighbor, your governing documents require you to keep current proof of insurance on file with the association at all times. The association does maintain certain association-level coverages and insures the common elements it owns (such as the perimeter fencing), but it does not insure your home for you. Carry enough coverage to fully rebuild your home and protect against liability; if you would like help selecting coverage, see our agent recommendation on this page.

Sean Watkins is both an American Family agent and a homeowner in your neighborhood. Given both, he is an expert in this matter and would be happy to help you. You can reach his office at (214) 226-0962 or swatkins[AT]amfam.com. Replace [AT] with an @ symbol when emailing. We try not to publish email addresses online verbatim to prevent bots from picking them up.