Enter a deductible and allocation method.
Condo calculator
Check whether your condo loss assessment limit is the whole answer.
Enter the HOA deductible or assessment you can find. This check estimates your visible unit share and compares it to loss assessment, deductible-assessment, Coverage A, and water backup entries.
About 2 minutes No contact info before results Works with unknowns Built for HO-6 and HOA docs
This is a review helper, not a quote, policy change, legal opinion, claim decision, or statement that any assessment is covered. Policy forms, endorsements, HOA documents, and facts control.
Calculate first
Start with the master deductible, assessment notice, or declarations page.
Exact documents are best, but rough entries still help. The result is designed to show what to verify, not to make a final coverage call.
Your snapshot
Your condo deductible and loss assessment review.
Results appear after the calculator has enough information to compare the visible numbers.
Deductible-assessment wording controls this number.
Coverage A is separate from loss assessment.
HOA and HO-6 documents make the result useful.
Documents to gather
What this calculator is for.
It estimates a visible condo or HOA assessment exposure and shows whether your current HO-6 entries deserve review against the master policy, deductible page, and endorsement wording.
What it does not decide.
It does not decide whether an HOA assessment is valid, whether a carrier must pay, whether a claim should be filed, or whether an assessment is covered. The documents and facts still control.
PureCover answers
Common condo and HOA deductible questions this calculator is built to answer.
These answers explain the same review logic the calculator applies. They are not a final policy interpretation.
Does loss assessment cover my HOA master policy deductible?
Sometimes, but the policy wording matters. A condo policy may show a loss assessment limit and still have a smaller deductible-assessment special limit or exclusion. The calculator compares the deductible exposure to the specific deductible-assessment treatment you enter.
Why this matters: Reddit threads, carrier explainers, and prior PureCover form research all show that the headline loss assessment limit is not always the controlling number for a master-policy deductible.
Source: PureCover Insurance Condo HOA Loss Assessment And Master Deductible Check.
Why might $50,000 of loss assessment not mean $50,000 for the HOA deductible?
Some forms separate ordinary loss assessment from deductible assessment. If the form has a $1,000, $2,500, or other special limit for assessments caused by the association deductible, that smaller number may be the number to review.
Why this matters: the tool asks for a deductible-assessment sublimit instead of assuming the highest visible loss assessment limit applies.
Source: PureCover Insurance Condo HOA Loss Assessment And Master Deductible Check.
How do I estimate my unit share of a master deductible?
If the HOA splits the deductible evenly, divide the master deductible by the number of units. If the declaration allocates by ownership percentage, multiply the deductible by your percentage. If one unit can be charged the full deductible, the whole deductible may need review.
Why this matters: Idaho condo law and HOA documents can make allocation depend on the declaration, bylaws, and management-body decision. The calculator supports several allocation paths.
Source: PureCover Insurance Condo HOA Loss Assessment And Master Deductible Check.
Why does Coverage A or building property matter on a condo policy?
Coverage A on an HO-6 can apply to parts of the unit, improvements, betterments, or building-property responsibility depending on the policy and HOA documents. It is a separate review from loss assessment.
Why this matters: Kaplan HO-6 material separates Coverage A from loss assessment, and prior HOA documents showed the deductible exposure may be discussed as building or dwelling responsibility.
Source: PureCover Insurance Condo HOA Loss Assessment And Master Deductible Check.
Does water backup change the answer?
It can. Water backup, sewer backup, shared plumbing, and water-damage deductibles may depend on separate endorsements or sublimits. The calculator flags water/sewer entries separately instead of folding them into a generic loss assessment answer.
Why this matters: condo water losses often involve master policy deductibles, unit damage, shared pipes, and endorsement wording at the same time.
Source: PureCover Insurance Condo HOA Loss Assessment And Master Deductible Check.
Does every special assessment count as a loss assessment?
No. Maintenance, improvements, reserve shortfalls, deferred maintenance, and non-insurance assessments may not work like an insured loss assessment. The reason for the assessment is one of the most important inputs.
Why this matters: public loss assessment sources repeatedly distinguish covered loss or liability assessments from ordinary HOA operating or reserve assessments.
Source: PureCover Insurance Condo HOA Loss Assessment And Master Deductible Check.
What documents should I gather?
Gather the HO-6 declarations page, loss assessment endorsement, deductible-assessment wording, HOA certificate of insurance, master policy declarations or deductible page, CC&Rs/bylaws insurance section, assessment notice, and water backup endorsement if water is involved.
Why this matters: the calculator can estimate from entered numbers, but the policy forms, endorsements, HOA documents, and facts control.
Source: PureCover Insurance Condo HOA Loss Assessment And Master Deductible Check.
Glossary
Terms used in this calculator.
HO-6 / condo unit-owner policy
A condo policy that can cover unit property, belongings, liability, loss of use, and selected endorsements depending on the form.
HOA master policy
The association policy for the project, common elements, residential structures, or other property described in the HOA documents.
Loss assessment
Your share of certain association assessments after a covered loss or liability event, subject to the HO-6 policy and endorsements.
Special assessment
An HOA charge to owners. It may or may not be an insured loss assessment.
Master policy deductible
The deductible on the association policy. The HOA documents may decide how that deductible is passed to owners.
Deductible-assessment sublimit
A smaller limit that may apply only when the assessment results from the association deductible.
Coverage A / building property
The HO-6 limit for covered unit building property, additions, alterations, improvements, or similar unit responsibility.
Betterments and improvements
Changes or upgrades to the unit that may be treated differently from original construction under the HOA documents or policy.
Bare walls
A master policy structure where the owner may be responsible for more interior finishes and unit property.
All-in
A master policy structure that may include more interior finishes, though deductibles and betterments still need review.
Water backup / sewer backup
An endorsement or limit that may apply to certain backup or overflow losses, separate from flood and many water exclusions.
Ownership percentage
The percentage interest or allocation share assigned to the unit in the declaration or bylaws.
Review request
Review and update any missing information.
PureCover can review the HO-6, HOA master policy, deductible page, CC&Rs, assessment notice, lender details, and water backup wording. Add anything missing before sending.
Your optional details and calculator summary were filled in below. Review the form and press Send Review Request only when you are ready.