L.F. from Charlotte County, Florida writes:
Dear Mister Condo,
Mister Condo replies:
L.F., you and your neighbors certainly took Ian’s might! Your region of the country will be undergoing repairs and insurance claims for a very long time. Typically, condominium insurance carried by the association covers damage done to the association-owned common elements. In this case, the exterior of the building (the gable end of the building and any siding or commonly owned roof). Damage to the interior of the building is generally a unit owner insurance matter. I say “generally” because there can be exceptions and your Board may have other ideas on how best to make the repairs and see if the association insurance will cover any unit interior damage caused by the failed building envelope. My guess is the association insurance will only cover the common elements damaged. If you have your own insurance, see what is covered and what your out of pocket for your deductible will be. Good luck!