July 16, 2026
Learn how Michigan condo associations can reduce insurance premiums by amendingbylaws to shift coverage responsibilities. Covers All In, Walls In, and Bare Walls policies.
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July 6, 2026
Who pays for water damage in a Michigan condominium? Learn how governing documents, insurance, and deductibles allocate the loss — and how to avoid disputes.
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May 7, 2026
Can a Michigan homeowners association rely on its liability insurance to cover emotional distress claims tied to enforcement disputes? In many cases, the answer is no. Condominium and homeowner associations routinely rely on liability insurance as a financial safety net when disputes escalate into litigation. Associations often assume that if a lawsuit is filed—particularly one alleging serious harm such as…
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December 23, 2025
Condominium associations frequently insure aging common elements, such as clubhouses, recreation centers, maintenance buildings, and other shared facilities, under replacement cost property insurance policies. Condominium and homeowners associations may assume that replacement cost coverage will fully fund rebuilding after a catastrophic loss. However, as Piatt Lake Bible Conference Association v Church Mutual Insurance Co., No. 2:23-CV-73, 2025 WL…
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July 24, 2025
Many Michigan condominium associations and HOAs understand the value of general liability or directors and officers insurance. However, another type of coverage, workers’ compensation insurance, is less well-known but can be extremely valuable. Whether your community association has staff, hires vendors, or relies on volunteers, it’s crucial to know when workers’ compensation insurance is legally required in Michigan and when…
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July 2, 2025
Condominium associations in Michigan are required to carry insurance that complies with Michigan Administrative Rule 550.208, which states: The bylaws shall provide that the association of co-owners shall carry insurance for fire and extended coverage, vandalism and malicious mischief, and, if applicable, liability and workers’ disability compensation, pertinent to the ownership, use, and maintenance of the premises and that all…
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