Comments on: Q&A: Condo Insurance Requirements

By: insurance guy

insurance guy — Thu, 05 Aug 2010 04:39:03 +0000

Interesting, I live in California and if my HVAC goes out, I’m outta luck. My association would laugh at me if I asked them to replace the old, broken unit.

By: Lisa Magill

Lisa Magill — Tue, 06 Jul 2010 14:31:27 +0000

Hello – the insurance section of the Condominium Act changed again as a result of the 2010 legislative session.

Nonetheless, HVAC (including air compressors and air handlers) if part of the original construction, must be insured by the Association in the master policy. Section 718.111(11) says the Association must insure “all portions of the condominium property as originally constructed…” minus a list of items such as floor, wall & ceiling coverings, appliances, countertops, etc.

Repair & Maintenance under normal circumstances is different than casualty repair. The condo documents will specify whether the unit owner bears responsibility for repairs and maintenance of the a/c (which is typical). So, if your unit freezes up or vibrates too much you (as the owner) are probably responsible for the repairs or maintenance.

By: JULES LEVINE

JULES LEVINE — Mon, 05 Jul 2010 17:03:13 +0000

Dear ms. Magill,

Regarding air-conditioners, I could find no relevant FL718 paragraph except 718.1265 (1) (k) Association emergency powers.

It doesn’t relinquish the Owner’s liability for insuring and paying for cost of repair to A/C units.

Wouldn’t your interpretation unecessarilyadd substantial cost to the Association’s insurance premium?

Regarding air-conditioners, I could find no relevant FL718 paragraph except 718.1265 (1) (k) Association emergency powers. Is their another reference I’m missing?

718.1265 (1) (k) doesn’t relinquish the Owner’s liability for insuring and paying for cost of repair to A/C units.

Wouldn’t your interpretation unecessarilyadd substantial cost to the Association’s insurance premium?

By: Murrf

Murrf — Wed, 26 May 2010 00:43:09 +0000

718.111 states that the master policy must cover HVAC. Is it mandatory that the association is responsible for repairs, maintenance and replacement of the HVAC, if needed? Or is it the unit owners responsibility? A compressor on the roof needs to be replaced because the vibration is a disturbance to top floor neighbors? Who pays for it?