She has been assessed several times and I believe I should handle this as assessments and not as coverage under her HO 04 28 because it is not particular to her specific unit.

Wyoming Subscriber

Unless the insured is responsible for the pilings under the condo agreement, the HO 06 won't apply for damage to the pilings unless they're specific to the insured's unit only, and it sounds like they're common property. The assessment coverage is for the insured's share of an assessment against an owner of a condo for damage to common property –property that all condo owners own collectively, such as the pilings.

Both the policy and the HO 17 32 cover mold if it's hidden within the walls/ceilings and is the result of an accidental discharge/overflow of a plumbing, heating, A/C or appliance on the residence premises. Unless the pilings are specific to the insured's unit only, they would not be covered. The HO 04 28 handles it the same way–hidden mold is covered, but obvious mold from continuous leaks is not covered.

The assessments the association has levied against the insured are just that, assessments, and should be treated that way.

They are not covered under the HO 04 28.

The section II coverage is indeed for liability only – -unless the insured was responsible for whatever caused the pilings to rot, there is no coverage under the liability portion of the HO 04 28. Coverage here is for when the insured is responsible for an occurrence, which is an accident including continued/repeated exposure to the same harmful elements, and injury or damages result. For example, if the insured grows orchids in her condo and has several humidifiers running to keep the orchids happy, and the humidity causes mold to grow in the ventilation shafts which causes medical problems for the resident of the condo next door, then coverage would apply. But for damage that just occurred and was not due to actions by the insured or the insured's malfunctioning appliances, there is no coverage.