Checklist · reviewed July 24, 2026

Condo Insurance Document Checklist

Request and review the current master policy, deductibles, HO-6 requirements, budgets, reserves, assessments, minutes, and association records.

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Insurance records

Current master-policy declaration pages and endorsements are requested.Property, hurricane/wind, flood, liability, directors-and-officers, and other relevant policies are identified.Deductibles, limits, exclusions, valuation method, named insureds, and effective dates are reviewed.Current HO-6 requirements and any lender requirements are obtained in writing.Recent claims, insurance notices, nonrenewals, coverage changes, and premium changes are requested when available.

Document room

Financial and project records

Current budget, recent financial statements, reserve study, reserve balance, and reserve contributions are reviewed.Current and pending special assessments, association loans, delinquencies, and major contracts are identified.Planned roof, plumbing, electrical, envelope, elevator, fire/life-safety, structural, and other major work is documented.

Document room

Governance and decision records

Declaration, bylaws, amendments, house rules, and unit responsibility provisions are reviewed.Recent board and owner meeting minutes are read for insurance, claims, repairs, projects, litigation, assessments, and owner concerns.Litigation, notices, engineering reports, code matters, and required inspections are requested when relevant.Questions are sent to the AOAO, seller, agent, lender, licensed insurance professional, attorney, inspector, or engineer as appropriate.

Current means current

Documents age quickly

A prior-year policy, budget, reserve study, or assessment statement may no longer describe the current risk. Confirm dates and request current versions before a purchase, refinance, renewal, or major vote.

Primary sources

Insurance records

Financial and project records

Governance and decision records

Documents age quickly

Official starting points

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