Condo Units

WITHOUT ASSOCIATION FLOOD COVERAGE: Depending on the state you live in coverage varies. In CT you would be entitled to all building damages by flood. But in various other states you may only be entitled to building items that are owned by you. You will need to contact the association to review the by-laws and condo docs to determine what is yours. Example the framing and drywall may belong to the association, where as the paint belongs to you.
You would be entitled to up to 10% for improvements per attached link if you only had contents coverage.
Policy Link: CONDO UNIT OWNER AND TENANT CVG GP

WITH ASSOCIATION FLOOD COVERAGE:
If your condo association has a flood policy this policy is primary and covers all building damages.
Link: CONDO UNIT OWNER WITH ASSOC CVG GP

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