Insurance Clarification

Unit elements: (The area inside the walls of the unit, and includes all interior wiring, pipes, windows, walls and doors, as well as all contents) the Unit Owner and/or tenant maintain this area. The master policy purchased by VBCA Council insures all portions of the unit that contribute to the support of the building, including main bearing walls, but excluding painting, wallpapering, decorating or other work on the interior surface of walls, ceilings, and floors within a unit. The interiors of the unit, other than the main bearing walls, are the responsibility of the Unit Owners to insure under their homeowners (HO6) policy. Each Unit Owner is also responsible for insuring his or her own personal property. An example would be furniture, clothing, jewelry, etc. In addition each Unit Owner is required to carry his or her own personal liability policy.

The Unit Owner will be held responsible for any damage caused to the main bearing walls by actions committed by them, their residents, their visitors, their contractors, or any other person or pet associated with the unit.

If you have specific questions concerning your homeowner (HO6) policy, please feel free to call K T& D, Inc. at (302) 429-8500.