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  • Steven J. Adamczyk

Our board has always required vendors to provide proof of insurance before providing services at the association. There is a push now to require all owners to likewise obtain proof of insurance before allowing their vendors to perform work at the property. Why would we do this?

We recently discovered that the air handler drain in the unit above us became clogged resulting in water damage to our unit. Our insurance covered some of the costs, but not all. We were not in the unit when this occurred and it was some time before we discovered it, resulting in mold. Would our condominium association be responsible for the uncovered damage?

It’s been 3 years since Hurricane Irma made landfall in Florida as a Category 4 storm, and the trail of damage left in its wake is still being felt across the state today, particularly by the insurance industry as it continues to see thousands of claims per month and costly litigation from the catastrophic event.

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