If your home or condominium is part of a homeowners or condo owners association, the insurance coverage that is designed to protect your building or community is complex – in both the language and in the details.

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  • Harris B. Katz, Special to TCPalm

Our A/C and water heater are outside of the unit, located in the hallway. The door to the A/C and heater has termites. Who is responsible for the damaged door and how about the termites?

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WASHINGTON – The Federal Emergency Management Agency (FEMA) has postponed the roll-out date of Risk Rating 2.0 – its plan to update and extend the National Flood Insurance Program (NFIP). The original effective date of Oct. 1, 2020, has been moved back one year to Oct. 1, 2021.

“Some additional time is required to conduct a comprehensive analysis of the proposed rating structure, so as to protect policyholders and minimize any unintentional negative effects of the transition,” FEMA said in a prepared statement. The extension will also allow “all National Flood Insurance Program (NFIP) policies – including, single-family homes, multi-unit and commercial properties – to change over to the new rating system at one time instead of a phased approach.”

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