New rules clear up who pays for condo damage

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.

Engrossed· 2026-05-19

Who's it for

Who's it for: Everyday People

What it means for you

7/10Helps you

Good for everyday people ·

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

This bill clears up whether you or your condo board pays for damage and makes sure insurance money is actually used for repairs.

Our take

What we think, in plain words.

Living in a condo can get messy when a pipe bursts or a roof leaks. Right now, neighbors and boards can end up fighting over who pays the deductible. This bill sets clear ground rules before disaster strikes. It forces owners to buy insurance if the main building policy does not cover their unit. It also lets the board control the insurance payout so the whole building gets fixed properly. If this passes, it will save condo owners a lot of headaches and legal fights.

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The facts

What the bill actually says, no spin.

Sets clear rules for splitting insurance deductibles between condo owners and the board.
Requires you to buy your own insurance if the condo association does not cover your unit.
Lets the condo board handle the insurance money to make sure the building gets fixed.