As a result of an earthquake a residential condominium insured under a Bare Wall policy suffered significant damages and may be considered a total loss. However, there are individual unit owners insured under Dwelling policies (DP1, DP2 or DP3) whose apartments did not suffer damages or have partial damages.

If the condominium is declared a total loss under the Bare Wall policy do we have to pay under the dwelling policies even if no damage to the unit is present?

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