The differences between Insurance that might cover Hurricane Damages that is available to Condominium (and perhaps some Homeowners') Associations, on the one hand, and the "Hurricane Damages Coverage" that is available to Homeowners, are explored in a syndicated column by Richard White, "Community Living / Hurricane Damage Insurance," published this morning in the print edition on p. B9, col. 1 (Orlando Sentinel, Monday, July 18, 2011), but not made accessible Online. (At first, I was going to provide you with a link if I could find one elsewhere Online, but I could not find a link for this particular syndicated column. However, here is a link to the July, 2011 edition of Florida Community Association Journal, which is entitled, "Disaster Preparedness Special". In particular, an article which may be of interest begins on page 14, by Kathy Danforth, "Minimizing Your Disaster". I hope these are useful to you and to your clients.)
The biggest difference? Insurance carried by Condominium Associations will not likely provide Coverage for personal property of Homeowners. Only the Homeowner has an insurable interest in her or his personal property. See id.
This useful column also briefly addresses questions concerning FEMA and Homeowners Associations, and mobile homes, following Hurricanes.
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