Core master-policy packet
These documents explain what the association is responsible for and what is currently insured.
Current insurance policies
Master property, general liability, D&O, crime/fidelity, umbrella, equipment breakdown, workers comp if applicable, cyber if applicable, and all endorsements.
Declarations and bylaws
Insurance provisions, association property responsibility, unit-owner responsibility, deductible assessment language, and board authority.
Statement of values
Building values, common elements, ordinance or law, amenities, detached structures, garages, docks, pools, signs, gates, and equipment.
Deductible schedule
Wind, hurricane, named storm, all-other-peril, water, flood, equipment breakdown, D&O retention, and crime/fidelity deductibles.
Loss history
Five-year loss runs if available, open claims, prior water/wind/flood/fire claims, and carrier recommendations or nonrenewal notes.