Q. We have a 4-unit condo building in Chicago comprised of a 3-flat and a coach house. Per our Declaration, the roof of each building is maintained by the owners in that building. The coach house owner recently had roof damage and they submitted a claim to the association's insurance company.

The claim proceeds have been paid out to the association. My question is whether this was handled properly. Since the coach house owners are responsible for their own roof repairs, shouldn't they have submitted a claim to their own insurance? We're concerned our premiums are going to increase for all of the owners as a result.

A.  Questions about insurance and condo buildings can be tough to address, because the answer depends on a number of variables. These include what is covered by the association's policy, what is covered by unit owners' policies, what the association's Declaration says about

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