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Condo Unit Owner Special Coverage Endorsement

Every unit owner should have this endorsement added to their HO-6 policy

Condominium Unit water intrusion under the doors

Without this endorsement, damage to the condominium residence premises is covered only if the loss was caused by one of the perils listed in the policy. This endorsement provides broader coverage – responding to any cause of loss except those specifically excluded. For instance, this endorsement would cover accidental damage to floors, ceilings and walls from accidental paint spills. The paint spill would not be covered with the Basic H06 since it is not a listed peril. The paint spill would be covered if you purchased this endorsement because the policy does not contain exclusion for accidental paint spills.

Disclaimer:  Insurance losses to Condominium Associations and Condominium Units are subject to your insurance policy, the Condominium By laws and Chapter 718 Florida Statutes, The Condominium Act.

The descriptions of coverage’s and programs are necessarily brief and are subject to policy provisions, limitations and exclusions that can only be expressed in the policy itself. Coverages and programs vary by state and are not available in all states. For a complete explanation of coverages, please consult your insurance agent and/or policy. Your policy is tailored to your Risk.