Florida HOA and condo insurance, built for the post-Surfside statute and the hardest coastal market in the country. The valuation appraisal, the wind deductible, and the SIRS deadline all have to line up

Coastal high-rise and mid-rise condominiums dominate the Florida community-association exposure, and they are exactly the buildings the milestone inspection and structural reserve study statutes target. The insurance conversation and the structural-compliance conversation are now the same conversation.

Inland and gated single-family HOAs carry a different profile, centered on common-area liability, amenity exposure, and D&O, but they still sit inside the same hard property market and the same replacement-cost appraisal discipline.

Wind is the defining variable. Coastal master policies carry a separate windstorm or hurricane deductible expressed as a percentage of insured building value, and on a multimillion-dollar building that percentage becomes a very large dollar number that passes through to owners as a special assessment. The board decision is often not whether to buy the deductible down, which may not be available at a workable premium, but how to fund the exposure and make sure owners carry matching loss assessment coverage.

Placement runs through the dedicated community-association specialty markets sized to the building type, the wind exposure, and the structural-compliance status. A program placed in a generalist habitational package tends to surface its gaps at the worst possible time, at a claim or at a unit sale.