Checklist · reviewed August 7, 2026
Condo Insurance Document Checklist
Request and review the current master policy, deductibles, HO-6 requirements, budgets, reserves, assessments, minutes, and association records.
Comparable facts
Condo document request comparison
Request and review the current master policy, deductibles, HO-6 requirements, budgets, reserves, assessments, minutes, and association records. A prior-year policy, budget, reserve study, or assessment statement may no longer describe the current risk.
Insurance recordsCurrent master-policy declaration pages and endorsements are requested. Deductibles, limits, exclusions, valuation method, named insureds, and effective dates are reviewed.
Financial and project recordsCurrent budget, recent financial statements, reserve study, reserve balance, and reserve contributions are reviewed. Planned roof, plumbing, electrical, envelope, elevator, fire/life-safety, structural, and other major work is documented.
Governance and decision recordsDeclaration, 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.
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Document room
Insurance records
Document room
Financial and project records
Document room
Governance and decision records
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