New rules clarify who pays for condo insurance deductibles

Clarifies how condominium insurance deductibles and unpaid losses are divided between associations and unit owners, require owners to insure units if associations do not, and allow boards to manage and use insurance proceeds for repairs.

Introduced· 2026-02-27

Who's it for

Who's it for: Everyday People

What it means for you

6/10Mixed

Mixed: some good, some bad ·

Draft summary, still being checked against the official bill text. Read the source to confirm.

This bill would set clear rules on how condo associations and owners split insurance costs and require owners to buy insurance if the association does not.

Our take

What we think, in plain words.

Condo insurance can be messy when a pipe bursts or a roof leaks. This bill tries to clear up who pays the deductible and who covers unpaid losses. It also makes sure units are insured and lets condo boards handle the insurance money to get repairs done. It is a practical fix to prevent fights between neighbors and their associations.

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The facts

What the bill actually says, no spin.

Clarifies how insurance deductibles and unpaid losses are split between condo associations and unit owners.
Requires unit owners to buy their own insurance if the association does not cover the units.
Allows condo boards to manage insurance payouts and use the money directly for repairs.