how community associations should approach property insurance in a cyclical insurance market. We will walk through topics like:

Current market conditions and property insurance trends (rising deductibles, per-unit water damage deductibles, tightening RPG umbrella markets);
How governing documents interact with deductible allocation between the association and unit owners' HO-6 policies;
Building valuation/insurance-to-value, practical strategy for shopping the market (broker vs. captive agent, broker exclusivity rules), and
A clear breakdown of what a board can and can't control