Our condo building in California has an earthquake insurance policy. This policy has a deductible of 20% of the total building construction cost, which makes it a very large number of approximately $44,000 per unit. The board is now considering canceling the policy all together because of the concern that if something major were to happen people will not have required money to put in. Can we somehow force owners to buy their own policy to cover this deductible? Can we legally buy individual policies for those that don't have them on their behalf and pass on the cost to them? Can we increase our dues and buy personal policies for everyone?