Enter a deductible and allocation method.
Condo calculator
Check a condo loss assessment or HOA master deductible.
Enter the HOA deductible, assessment notice, or condo policy numbers you can find. This check estimates the possible share for your unit, then shows what PureCover needs to verify before anyone treats the number as final.
About 2 minutes No contact info before results Works with unknowns Built for HO-6 and HOA docs
This is a review helper, not a quote, policy change, legal opinion, claim decision, or statement that any assessment is covered. Policy forms, endorsements, HOA documents, and facts control.
Calculate first
Start with the master deductible, assessment notice, or declarations page.
Exact documents are best, but the numbers you can find still help. The result shows what to send, what is still missing, and which policy or HOA terms need human review.
Your snapshot
Your condo assessment review.
Results appear after the calculator has enough information to compare the visible numbers.
Your result stays on this page until you copy, open an email draft, print, share, or send it to PureCover.
Deductible-assessment wording controls this number.
Coverage A is separate from loss assessment.
HOA and HO-6 documents make the result useful.
Documents to gather or check
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Still needed to review this result
Helpful if requested or already available
What the result terms mean
What this calculator is for.
It estimates the possible condo or HOA assessment amount for your unit and shows whether your HO-6 policy entries need review against the HOA master policy, deductible page, and endorsement wording.
What it does not decide.
It does not decide whether an HOA assessment is valid, whether a carrier must pay, whether a claim should be filed, or whether an assessment is covered. The documents and facts still control.
PureCover answers
Common condo and HOA deductible questions this calculator is built to answer.
These answers explain the same review logic the calculator applies. They are not a final policy interpretation.
Does loss assessment cover my HOA master policy deductible?
Sometimes, but the exact condo policy and HOA documents matter. A condo policy may show a loss assessment limit and still have a smaller special limit or exclusion for assessments caused by the HOA master deductible. The calculator compares the entered owner share to the deductible-assessment treatment you enter.
Why this matters: the headline loss assessment limit may not be the controlling number when the assessment is tied to the HOA master policy deductible.
Why might $50,000 of loss assessment not mean $50,000 for the HOA deductible?
Some condo policies separate ordinary loss assessment from an assessment caused by the HOA master deductible. If the policy shows a $1,000, $2,500, or other special limit for deductible assessments, that smaller number may be the number PureCover needs to review.
Why this matters: the tool asks for a deductible-assessment sublimit instead of assuming the highest visible loss assessment limit applies.
How do I estimate my unit share of a master deductible?
If the HOA splits the deductible evenly, divide the master deductible by the number of units. If the declaration allocates by ownership percentage, multiply the deductible by your percentage. If one unit can be charged the full deductible, the whole deductible may need review.
Why this matters: Idaho condo law and HOA documents can make allocation depend on the declaration, bylaws, and management-body decision. The calculator supports several allocation paths.
Why does Coverage A or building property matter on a condo policy?
Coverage A on an HO-6 can apply to parts of the unit, improvements, betterments, or other building-property responsibility depending on the policy and HOA documents. It is separate from loss assessment, so it may need its own review.
Why this matters: your condo policy and HOA documents may place unit interior or improvement responsibility in a different place than loss assessment.
Does water backup change the answer?
It can. Water backup, sewer backup, shared plumbing, and water-damage deductibles may depend on separate endorsements or sublimits. The calculator flags water/sewer entries separately instead of folding them into a generic loss assessment answer.
Why this matters: condo water losses often involve master policy deductibles, unit damage, shared pipes, and endorsement wording at the same time.
Does every special assessment count as a loss assessment?
No. Maintenance, improvements, reserve shortfalls, deferred maintenance, and non-insurance assessments may not work like an insured loss assessment. The reason for the assessment is one of the most important inputs.
Why this matters: the reason for the HOA charge affects which documents PureCover needs to review and whether simple loss assessment math is enough.
What documents should I gather?
Start with the HO-6 declarations page and any HOA certificate, master policy deductible page, or assessment notice you already have. If available, also gather the loss assessment endorsement, deductible-assessment wording, CC&Rs/bylaws insurance section, and water backup endorsement if water is involved.
Why this matters: the calculator can estimate from entered numbers, but the policy forms, endorsements, HOA documents, and facts control.
Glossary
Terms used in this calculator.
HO-6 / condo unit-owner policy
Your individual condo policy. It can cover unit property, belongings, liability, loss of use, and selected endorsements depending on the form.
HOA master policy
The association policy for buildings, common areas, or other property described in the HOA documents. It is separate from your HO-6 condo policy.
Loss assessment
A charge from the HOA to unit owners after certain association losses or liability events. It is subject to the HO-6 policy, endorsements, HOA documents, and facts.
Special assessment
An HOA charge to owners. Maintenance, reserves, improvements, and operating charges may not work like an insured loss assessment.
Master policy deductible
The deductible on the association policy. The HOA documents may decide whether and how that deductible is passed to unit owners.
Deductible-assessment sublimit
A smaller limit that may apply only when the assessment is caused by the HOA master policy deductible.
Coverage A / building property
The HO-6 limit for covered unit building property, additions, alterations, improvements, or similar unit responsibility.
Betterments and improvements
Changes or upgrades to the unit that may be treated differently from original construction under the HOA documents or policy.
Bare walls
A master policy structure where the owner may be responsible for more interior finishes and unit property.
All-in
A master policy structure that may include more interior finishes, though deductibles and betterments still need review.
Water backup / sewer backup
An endorsement or limit that may apply to certain backup or overflow losses, separate from flood and many water exclusions.
Ownership percentage
The percentage interest or allocation share assigned to the unit in the declaration or bylaws.
Review request
Review and update any missing information.
PureCover can review the HO-6, HOA master policy, deductible page, CC&Rs, assessment notice, mortgage or lender details if they are part of the notice, and water backup wording. Add anything else you want PureCover to review before sending.
Your calculator summary is already filled into notes below. Review the form and press Send Review Request only when you are ready.