Insurance topics that everyone needs to know from someone who puts Jesus first, not money or himself--------------------------
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As for my proposal…This will be a studs out coverage. In other
words the interior of each person’s unit should be covered by the unit owner of
each condo. So each condo owner is responsible for paying from their studs
out…ie sheet rock or $1,000 a sqft wall paper or whatever… That being said wind
driven rain comes to mind. If the rain comes through the wall, window or door…
and does damage to a unit then the interior of that unit is specifically damaged.
That being said the individual condo owners policy would pick that coverage up. Is your insurance carrier willing to offer you a quote with or without wind driven rain exposure? To discuss more give me a call.
Michael Fillers, CPIA, NFIP Morris Insurance Agency, LLC
Matt 24:46-47-"Blessed is he whom
his master will find at work when he arrives. Truly I tell you, he will put
that one in charge of all his possessions."
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