Am I wrong in believing that I should not be responsible for payment of a deductible since it was not my leak that caused my damage?

A friend of a neighbor had an accident on HOA property that was not their fault.  A ladder fell on their car and caused damage.  Who pays our insurance or are they covered under the auto insurance? 

what kind of insurance do condo boards typically carry, anything besides liability insurance

Our association for a fee lets our two neighboring associations use our pool and grounds.  We are insured for should we require the other associations to make us additional insured on their policies?

In a Florida HOA, a 720 entity, is it better and cheaper to have a master Insurance policy for all buildings where the roof and walls are shared ?

Getting a lender to approve the condo as this is simply a 2 unit property one side is a condo and the other side is a condo. Do we need master insurance policy of is homeowners HO6 enough?

If the HOA and 2 board members are being sued in a lawsuit for negligence to maintain the common area and the 2 board members for wrongful acts and the 2 board members are found guilty of wrongdoing.

Our Association renewed our Insurance Policy and the are two new restrictions. No charcoal grills are allowed at all. Not even in the backyard on a grass and away from the building. Gas grills are not allowed on the deck. We were told, that no insurance company would allow charcoal grills any more.

I thought from walls in is homeowners responsibility. Since going through the association's insurance, my name is not on anything. Can they withhold funds issued from the insurance? Why does the condominiums insurance even have to be involved if damage was to the inside of my unit?

We are setting our association up and do not have "association insurance" at this time we each have our own personal property insurance. What should I look for in association insurance?