If so, have we reviewed the association by-laws to identify any coverage gaps between your policies and the association master policies? By-laws can change over time and so can the master insurance coverage. Associations will increase policy loss deductibles to contain premium costs and insurance carriers may increase deductibles due to claim history. Is your policy properly structured to assist with claim costs assessed to you as the unit-owner? This is just one example of how we can tailor your policy to address coverage gaps. Please contact us if we can be of any assistance.