Bylaws, Buildings, and Blind Spots: Condo and HOA Coverage Explained

Understand how governing documents, ownership structures, and policy forms intersect in condominium and HOA risks. Compare master policies with HO-6 and HO-3 coverage, and recognize how classifications affect replacement cost, improvements, and loss assessment exposure. Analyze real world claim scenarios, including lessons drawn from the Surfside collapse, to identify property, liability, and D&O considerations. Gain practical tools to reduce E&O exposure, document files properly, and anticipate the blind spots that turn shared property into shared confusion.