There are some situations where an owner is not liable for a deductible. For example, if the claim arose from: A defect in the construction of the owner’s unit or exclusive possession area Damage due to an act or omission of the corporation, board member, officer, employee or agent of the corporation (or any combination of them) Normal structural deterioration of the common property, managed property or real property, other than the property that the owner was responsible for maintaining or repairing Tips for owners Some insurance companies offer owners deductible coverage that will help pay for the corporation’s deductible. Check with your insurance representative about this type of coverage. It is prudent to request additional coverage. You can ask your board, manager or corporation’s insurance broker for a copy of the corporation’s Certificate of Insurance, which outlines current deductible amounts. If you already have deductible coverage in your unit owner’s policy, it is prudent to adjust your deductible coverage accordingly.