Water Leaks
Condo owners should know whether their personal insurance covers this type of water-related damage, which is often excluded without an endorsement.
What is flood damage?
This federal agency provides emergency alerts, storm tracking, and disaster assistance during hurricanes.
What is FEMA (Federal Emergency Management Agency)?
The Florida statute that governs condominium insurance requirements and association responsibilities.
What is Chapter 718 of the Florida Statutes (Florida Condominium Act)?
This Florida island city is the southernmost point in the continental United States.
What is Key West?
This small but essential device detects leaks early and can alert you via phone or alarm.
What is a water leak detector?
This type of insurance policy helps condo owners cover damages to their unit that are not included in the condo association's master policy.
What is an HO-6 policy (condo insurance)?
If a hurricane causes severe damage, this type of deductible applies before the master policy covers repairs.
What is a hurricane deductible?
This Southwest Florida city is known as the “Shelling Capital of the World” due to its abundance of seashells.
What is Sanibel Island?
You should check and replace these flexible water connectors on toilets and sinks every few years to prevent leaks.
What are supply lines?
Condo residents should do this to their balcony furniture before a storm to prevent dangerous flying debris.
What is secure or bring it inside?
If the condo association’s master policy does not fully cover a loss, unit owners may be charged this additional fee to cover costs.
What is a special assessment?
Florida is the only state that borders both of these bodies of water.
What are the Atlantic Ocean and the Gulf of Mexico?
Florida's humid climate can increase this type of post-leak issue, requiring immediate remediation.
What is mold growth?
These protective coverings, often made of metal or impact-resistant material, help safeguard windows from hurricane-force winds.
What are hurricane shutters?
This type of coverage within the master policy protects the association from legal claims and lawsuits.
What is general liability insurance?
This Southwest Florida city is known as the "Golf Capital of the World" due to its high concentration of golf courses.
What is Naples?
This shut-off device can stop water flow to your condo in case of a major leak.
What is the main water shut-off valve?
This is the minimum sustained wind speed for a storm to be classified as a hurricane.
What is 74 mph?
If a pipe bursts inside a unit but causes damage to common areas, this policy determines who is responsible for repairs.
What is the master insurance policy?
This unique fruit-filled dessert is Florida’s official state pie.
What is Key lime pie?