Your condo association's master policy type determines whether your HO-6 is adequate — or completely insufficient. Answer 5 quick questions to find out where your coverage ends and your gap begins.
Question 1 of 5
When a hurricane damages your condo's kitchen cabinets and countertops — who pays?
This is the core question that identifies your master policy type. Think about what your HOA documents say, or what a previous claim or assessment letter indicated.
What does your HO-6 policy description say about "dwelling coverage" or "building property"?
Check your HO-6 declarations page for the Coverage A (Dwelling) or Coverage A (Building Property) section.
Have you received a special assessment from your HOA after a prior storm or repair?
Special assessments are billed to unit owners when the master policy doesn't fully cover a loss.
What does your HOA Declaration of Condominium say about the scope of the master policy?
This is in the legal document that governs your association — usually titled "Declaration of Condominium" or "CC&Rs." Check if you have a copy.
How much "loss assessment coverage" does your current HO-6 policy include?
Check your HO-6 policy or ask your agent — look for "loss assessment coverage" or "HOA assessment coverage" in the policy.