Casualty insurance: This is the condo assocation insurance policy that pays to reconstruct the condo associations property after a calamity such as a fire, tornado or hurricane. State law mandates there is condominium association insurance of the structures. The statute should be carefully consulted for an understanding of exactly how the line is divided between the condo association insurance obligations and the obligations of the individual condo unit owner. Contrary to popular belief, condo association insurance and maintenance obligations may be entirely different for the same item. For example, most condo documents require the condo unit owner to maintain interior doors, while state law requires that they are to be insured by the condoassociation. Often, older condominium documents will impose stricter condo insurance requirements than what is generally available in the condo insurance market. For example, while many condo documents require full replacement cost insurance, most condo associations now place condo association insurance which contains a deductible. A well-written set of condodocuments also will discuss how deductible expenses are allocated in the event of an uninsured or under-insured loss.