April 5, 2021


Legal Matters - Rob Samouce

Special to Naples Daily News


Questions often arise when there is an insurable event (such as when a water or sewer pipe bursts), who pays for the damage? The Condominium Association or the Unit Owner.


The answer will depend upon what the damaged items are. Section 718.111(11)(f), Florida Statutes, provides that:

“(f) Every (Condominium Association) property insurance policy issued or renewed on or after January 1, 2009, for the purpose of protecting the condominium must provide primary coverage for:


1. All portions of the condominium property as originally installed or replacement of like kind and quality, in accordance with the original plans and specifications.


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March 11, 2021

Q: We are buying a condo apartment, and the association has insurance coverage for the whole building. When we tried to purchase insurance to cover just the property’s contents, we were told that it did not work that way. Why do we need to buy the same type of insurance that our building already purchased? — Carmine

A: Every condominium unit owner, and for that matter, every homeowner, should carry hazard insurance, and when called for, additional coverages such as for windstorms and earthquakes.

Insurance can seem expensive but repairing or replacing your home and its contents is devastating if you are uninsured.


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March 9, 2021

Purchasing insurance is often expensive, time consuming, and confusing. However, today is the right time to make sure you have the proper insurance coverage in place and to confirm that your insurance company has the financial strength to handle the claims process. That way you can rest comfortably knowing that you will be in the right position to navigate an insurance claim with your insurance company should the need arise.

For starters, condominium associations should be familiar with Fla. Stat. 718.111(11)(f). This will help condominium associations understand the minimum level of insurance coverage it should purchase. That statute mandates that condominiums must provide primary insurance coverage for the following:

  1. All portions of the condominium property as originally installed or replacement of like kind and quality, in accordance with the original plans and specifications.

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