I dare them to do something like that to me.. I bought the place with the understanding no insurance was necessary. To rebuild this place is not as expensive as the insurance company says. If the place burns down,the Associations insurance will rebuild the building and the walls..REMEMBER.. THERE WILL BE AN ASSESSMENT FOR THE DEDUCTCTIBLE ON the insurance. So first make sure the Associations insurance is up to date,and get all the other specifics.

www.thecondocommando.com You may view the Florida Statute here http://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=Ch0718/SEC111.HTM&Title=-%3E2009-%3ECh0718-%3ESection%20111#0718.111 718.111(11)(g) was adopted during last year's session and made enforceable beginning January 2009. Unit owners must present proof. If they do not, the Association may purchase insurance for the individual unit owner; however, with the economy the way it is, may Associations are so strapped for cash, they have no way to enforce this. As a manager, in order to alleviate concern, we usually include a copy of the statute highlighted when sending out these notices. (g) Every hazard insurance policy issued or renewed on or after January 1, 2009, to an individual unit owner must contain a provision stating that the coverage afforded by such policy is excess coverage over the amount recoverable under any other policy covering the same property. Such policies must include special assessment coverage of no less than $2,000 per occurrence. An insurance policy issued to an individual unit owner providing such coverage does not provide rights of subrogation against the condominium association operating the condominium in which such individual's unit is located. 1. All improvements or additions to the condominium property that benefit fewer than all unit owners shall be insured by the unit owner or owners having the use thereof, or may be insured by the association at the cost and expense of the unit owners having the use thereof. 2. The association shall require each owner to provide evidence of a currently effective policy of hazard and liability insurance upon request, but not more than once per year. Upon the failure of an owner to provide a certificate of insurance issued by an insurer approved to write such insurance in this state within 30 days after the date on which a written request is delivered, the association may purchase a policy of insurance on behalf of an owner. The cost of such a policy, together with reconstruction costs undertaken by the association but which are the responsibility of the unit owner, may be collected in the manner provided for the collection of assessments in s. 718.116. The pertinent section states"