Events of casualty damage, even when some of the damage is covered by an association's insurance policy, can be very expensive for condominium and homeowners associations, primarily because association insurance deductibles are typically tens of thousands of dollars per claim. The deductible expense is really just the portion of the cost to repair that is not covered by insurance, and is often a common expense paid by all owners. Whether an association can pass that expense—often the amount of the association's deductible—directly to the owner who caused the damage, or to the owners whose units were damaged, often depends on the provisions of an association's recorded declaration. read more