Is the HOA Responsible for Water Damage? It Depends on What Got Wet and Why
When water comes through a condo ceiling, the association's policy and your own usually both cover part of the loss. Which part is yours depends on what got wet and why it got wet, and Florida, Minnesota and Wisconsin answer that differently.
HOA Master Insurance Policy: What It Covers and What It Excludes
Where the master policy stops and your policy starts is written into Florida statute, not left to the fine print. Here is exactly what the master policy must cover, the items it must exclude, how to get a copy in 10 working days, and how to size your HO-6 against it.