If your condo suffers damage and the HOA’s insurance won’t pay, you may be left in limbo. This blog explains what’s covered under the master policy vs. your personal policy, and how to recover losses with help from a public adjuster.

The FEMA 50% Rule—also called the Substantial Damage Rule—requires that if flood repairs or improvements equal half of your home’s market value, the entire property must be brought into compliance with today’s floodplain regulations. Learn how it’s calculated, what counts toward the threshold, and how homeowners can protect themselves from costly surprises.