Insurance — required association coverage

Common Elements summary — Section 718.111(11) tells every Florida condominium association what insurance it must carry and what the unit owner must carry. The association's policy must cover everything "as originally installed" plus all replacements of like kind and quality — meaning the building shell, the original cabinets, the original drywall, the original flooring. Unit owner HO-6 policies pick up everything inside the unfinished walls plus betterments and improvements. This is the most-litigated insurance allocation in Florida real estate. Post-loss the recurring fight is whether granite countertops upgraded by a prior owner are "association" property (covered by the master) or "unit owner" property (covered by HO-6). 718.111(11)(f) tries to draw the line at "as originally installed" but in practice you need policy endorsements, a clear declaration definition, and an insurance counsel review every renewal. Boards must obtain "adequate" property insurance based on the replacement-cost value determined by an independent insurance appraisal at least every 36 months. Skipping the appraisal is a fast path to a coinsurance penalty after a major loss.