1. Insurance Limit
Yes, your condo master policy will cover property damage to the building and common areas, but only up to its limits. Depending on what those limits are, there's always a chance that a severe incident could exceed them. If that happens, it might fall on the condo owners to make up the difference and help repair the damage. By adding loss assessment coverage to your condo insurance, though, you can help avoid paying out of pocket.
https://www.esurance.com/info/condo/hoa-insurance
2. 你不滿意HOA的分攤，去HOA月會去抱怨好了。先研究condo bylaws，看看不滿HOA決定如何申請重新考慮。
