Who covers what in a condo
Condo losses usually involve more than one policy. The HOA master policy often covers the building structure and common elements, while each owner's HO-6 policy covers the unit interior and belongings, depending on the governing documents. The HOA manager is often the first call after the restoration team. Coverage depends on your policy and your HOA's documents, so check with your own insurer; the California Department of Insurance has consumer help for condo owners.
