Condo Insurance Claim

Navigate HOA master policies, unit owner coverage, and special assessment issues for condo damage.

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Unique Challenges of Condo Claims

Condo insurance claims are complex because coverage is split between the HOA's master policy and individual unit owner policies. Understanding which policy covers what is critical.

Master Policy vs. Unit Owner Policy

The HOA's master policy covers common areas and building structure. Your unit owner policy (HO-6) covers your personal property, improvements, and potentially portions of the unit interior. The division of responsibility depends on your HOA's governing documents and the type of master policy.

Walls-In vs. All-In Master Policies

Walls-in master policies cover the building structure but not interior finishes. All-in master policies cover everything including interior finishes. You need to know which type your HOA has to understand your coverage responsibilities.

Special Assessments

If the HOA's master policy has a large deductible or insufficient coverage, the HOA may levy special assessments on all unit owners. Your HO-6 policy may cover your portion of these assessments, but many owners don't realize this coverage exists.

Loss Assessment Coverage

This is a critical but often overlooked part of HO-6 policies. It covers your share of special assessments from covered losses. Default limits are often only $1,000-$2,000, but you can purchase higher limits.

Types of Condo Coverage

HOA Master Policy

Covers building structure and common areas

HO-6 Unit Owner Policy

Covers personal property, improvements, and liability

Loss Assessment Coverage

Covers your share of HOA special assessments

Additional Living Expenses

Covers temporary housing if your unit is uninhabitable

How to Handle Condo Claims

Condo claims require coordination between the HOA, master policy insurer, and your unit owner policy.

  • Review HOA Documents — Understand what the master policy covers and what you're responsible for
  • Notify Both Insurers — Report damage to both the HOA and your HO-6 insurer
  • Document All Damage — Photograph damage to your unit, improvements, and personal property
  • Determine Coverage Responsibility — Work with both insurers to clarify who covers what
  • Coordinate With HOA — Stay informed about master policy claims and potential assessments
  • Review Loss Assessment Coverage — Know your limits if the HOA levies special assessments
  • Get Contractor Estimates — Obtain estimates for all damage to your unit
  • Track All Expenses — Keep receipts for temporary housing and emergency repairs
  • Challenge Coverage Disputes — If insurers dispute who's responsible, get professional guidance
  • Consider Betterment Issues — Understand how improvements and upgrades affect coverage

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Frequently Asked Questions

Do I need condo insurance if the HOA has a master policy?

Yes. The master policy doesn't cover your personal property, improvements, or liability. You need an HO-6 policy for complete protection.

What if damage is to common areas?

The HOA's master policy handles common area damage. However, if the HOA levies special assessments, your HO-6 loss assessment coverage may apply.

Who pays the master policy deductible?

It depends on your HOA's governing documents. Some HOAs assess the responsible unit owner; others spread it among all owners. Check your HOA bylaws.

What if my unit improvements aren't covered by the master policy?

Your HO-6 policy should cover improvements and betterments you've made to your unit. Ensure your coverage limits are adequate.

How much loss assessment coverage do I need?

Consider your HOA's master policy deductible and coverage limits. If the master policy has a $50,000 deductible, you want enough loss assessment coverage to cover your share.