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More questions about HOA common area liability and water damage

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We have two different issues at two different condo buildings, but similar problems. In both instances, there were water leaks originating from the common areas which are the HOA responsibility. In both instances, interior condo units were damaged including floors, ceilings and drywall. The condo association insurance coverage for the condo states that the common area is covered by the condo insurance but the damage incurred in the units is the unit owners responsibility. We are getting significant complaints and protest from the condo owners stating it was an HOA problem that caused their damage and the HOA should pay for their repairs. Have any other HOA's experienced this problem?

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Florida condo association building has no wind or flood insurance

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condo association insuranceI live in Miami beach a 12 unit condo association / HOA .  My concern is the building has no flood or wind coverage. I know I can get my own flood insurance, but wind insurance must be for the whole building. I'm a hostage in my building because more then half don't want to spend the money on the Citizens policy. I can not believe the state not make it mandatory that condos in high hurricane areas must carry wind coverage its just a matter of time I will lose my condo from a massive storm and there nothing I can do. There must be a legal way to have the building get a policy? DBABBENASK69
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