Condominium losses are different from other commercial losses because there are typically different documents other than just the policy that control how the loss is going to be adjusted. Condominium by-laws have to read in conjunction with the policy to ensure that everything required to be adjusted is considered.

Construction methodologies vary widely and have to be evaluated with detail because individual owner interests cannot be overlooked while repairing damaged property. Similar to Commercial policies, many Associations purchase coverage to help maintain revenue while the property is being repaired.