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A condominium owner is protected -- potentially -- on two levels. First, by the association's master insurance policy, and second, the owner's HO-6 policy covering contents and the unit's interior.
The caveat, however, is this: not all associations carry flood insurance, in which case, the association will develop the cost of repairs and announce a special assessment, so that all owners pay for the repairs according to their share of ownership. An owner without insurance in this case is responsible for the repair and replacement of the interior contents, fixtures and furnishings not covered by the special assessment.
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