Condo insurance generally covers the interior of your unit, personal belongings, and liability. The HOA’s master policy typically covers shared structures, but the division of responsibility can be confusing. Your unit owner policy and the master policy split responsibility in ways most owners don't realize — upload yours to see the breakdown with an Instant Policy Review: https://www.victoryclaimsconsulting.com/instant-policy-review

Coverage depends on where the water originated and how responsibility is divided between your policy and the HOA’s master policy. This is one of the most commonly misunderstood areas of condo coverage. Whether you or the HOA's policy pays depends on where the water came from — upload to find out with an Instant Policy Review: https://www.victoryclaimsconsulting.com/instant-policy-review