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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.

January 28, 2021

After holding off on approving its 2021 rates last month, Citizens Property Insurance Corporation’s Board of Governors has approved rate recommendations that the insurer says will make its rates more competitive with the private market to slow the flow of policyholders returning to the Florida’s insurer of last resort.


I was under the impression that under the Florida Condo Statute maintenance and repair of common elements including limited common elements were always the responsibility of the association, but my condo’s declaration says that the owner is responsible for the repair, maintenance and replacement of its limited common elements. My question is if the association can do that in its declaration, or is there something in the Florida Condo Statute that trumps the declaration?

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