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?

Who do I report possible insurance fraud to when it looks like the management company along with some board members may have kept most of the money paid out by the insurance company?

Our Social Committee regularly holds "events" at our condo association clubhouse. While we require proof of insurance for our caterers, we do not for our entertainers. Should we? Do you?

Can a condo associations master insurance policy only cover 80% of value.

Can renter who is also doing work on our property be covered by our condo association insurance policy?