My mortgage company says I need a Certificate of Insurance (COI) from the community. How do I get that?

If your mortgage company is requiring a Certificate of Insurance (COI) from your community, it is likely because they want to ensure that the property is adequately insured and protected against any potential risks.

A COI is a document that verifies that the community has the necessary insurance coverage to protect against property damage or liability claims.

You can typically find a general COI for your community on the Resident portal. However, many mortgage companies will require an annual COI that lists their information, these have to be made individually by the association’s insurance carrier. 

To request one, you should first contact your community manager from RealManage via the community’s Ciramail inbox They will then request one from the association’s insurance company to send to you. This may take a few days as they have to coordinate it with the insurance company.