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Deductible exposure
Translate percentage, per-building, per-location, named-storm, wind, hail, and water deductibles into actual dollars.
HOA & condominium insurance
A master policy should protect the community—not surprise it after a loss.
Rothberg Specialty helps boards compare property, liability, D&O, crime, cyber, workers compensation, umbrella, and catastrophe protection as one coordinated program.
The board-level view
Premium is only one line in the decision.
A lower price can conceal a larger retained risk. A higher price can still leave a gap. The comparison should show what the association is buying, what it is retaining, and how the program responds together.
V
Valuation
Review replacement-cost assumptions, statements of value, ordinance or law, inflation protection, coinsurance, and margin clauses.
D
Decision protection
Examine D&O insureds, defense arrangements, exclusions, employment practices, discrimination, and management-company protection.
C
Coverage coordination
Confirm that property, GL, umbrella, crime, cyber, workers compensation, and specialty policies do not leave avoidable seams.
Wind and hail deductible calculator
Turn a percentage into the dollar exposure your board can understand.
This simplified illustration assumes equal value across buildings. Actual policy language can apply differently, so the policy must control the final analysis.
Illustrative deductible per affected building
Illustrative exposure if all buildings are affected
Educational estimate only. It does not interpret any policy and is not a quote, coverage determination, or legal opinion.
Program architecture
Coverage designed around buildings, operations, decisions, money, people, and data.
The exact program depends on the community, governing documents, state law, amenities, employees, contracts, and catastrophe exposure.
Property
Buildings, common elements, business personal property, equipment, ordinance or law, debris removal, time-element protection, and valuation.
Wind, hail & named storm
Deductible mechanics, geographic triggers, per-building exposure, buy-down structures, exclusions, and separate catastrophe placements.
General liability
Premises, amenities, operations, contractual liability, volunteers, events, vendors, pools, playgrounds, docks, and common areas.
Umbrella & excess
Underlying-policy schedules, drop-down limitations, follow-form provisions, D&O attachment, and catastrophic liability limits.
Directors & officers
Board and committee decisions, defense, management-company protection, employment matters, discrimination, and choice-of-counsel provisions.
Crime & fidelity
Association money and securities, employee theft, computer fraud, funds transfer, social engineering, forgery, and management handling.
Cyber
Privacy events, network security, business interruption, fraudulent instruction, breach response, ransomware, and vendor incidents.
Workers compensation
Employees, uninsured contractors, volunteers, statutory requirements, employer’s liability, and audit exposure.
Flood, earthquake & specialty
Flood zones, earthquake, pollution, fiduciary liability, equipment breakdown, terrorism, builder’s risk, and other community-specific needs.
Governing documents and insurance
The policy should be reviewed beside the declaration—not in a vacuum.
Insurance responsibilities may turn on condominium boundaries, maintenance obligations, casualty provisions, deductible allocation, owner betterments, and the association’s authority to charge back losses.
Rothberg Specialty can provide insurance-risk observations to the board, developer, manager, and their legal counsel. Governing-document interpretation and drafting remain legal services.
Request a Policy and Deductible ReviewParallel market review
A structured process that respects the board’s timeline.
The board retains control. Rothberg Specialty supplies analysis, market access, and a usable comparison.
Organize
Confirm the renewal date, decision calendar, existing broker process, governing documents, policies, losses, values, and open underwriting issues.
Diagnose
Identify material coverage, deductible, valuation, layering, carrier, and risk-transfer issues before approaching the market.
Negotiate
Build and manage the submission, answer underwriting questions, compare structures, and challenge unnecessary limitations.
Decide
Present the board with an organized summary of protection, price, retained risk, subjectivities, and implementation steps.
What we usually need
Good underwriting begins with a complete story.
Not every item applies to every association. We will identify the shortest complete list for the specific risk.
Core insurance records
- Current policies and endorsements
- Renewal terms when available
- Five-year loss runs
- Current statement of values
- Prior appraisals or valuation reports
Community records
- Declarations and insurance provisions
- Unit and building schedule
- Roof age and updates
- Amenity and vendor information
- Budget and reserve information when relevant
Risk-control information
- Electrical, plumbing, HVAC, and life-safety updates
- Open claims and repairs
- Roofing and building-envelope work
- Contracts and certificates for major vendors
Decision timeline
- Renewal date
- Board meeting dates
- Notice requirements
- Management review process
- Financing or lender deadlines
Summer 2026 association results
The case studies stay at the center of the proof.
Seven Texas placements produced $756,886+ in documented annual savings across six associations, plus more than $100,000 below the incumbent at Forney.
Biggest reduction to date
DFW master-planned community
$942,215$450,874
$491,341
52% saved
Three property placements consolidated into one $194.6M total-insurable-value program. Wind and hail improved from 4%/$250K to 3%/$100K.
Read the complete case →Largest dollar savings — portfolio
North Texas ranch community
$535,553$398,198
$137,354
25.6% saved
$85M+ total insurable value. The policy-wide wind deductible was restructured to per-building, with a 54% reduction on the buy-down line.
Read the complete case →Structural gaps closed
Forney, Texas
$100K+
Below incumbent
$39.5M total insurable value. A policy-wide wind deductible and blanket water exclusion had left hidden exposure; both were corrected for less.
Read the complete case →Selected documented results. Savings and coverage terms vary by risk, underwriting conditions, policy period, and market availability. Past results do not guarantee future outcomes.
Association FAQs
Questions to resolve before the vote.
What is a per-building wind or hail deductible?
It generally means the stated percentage or amount may be calculated using the value assigned to each affected building rather than one flat amount for the entire event. The exact endorsement and schedule determine the calculation.
Should the board select the lowest premium?
Premium is one factor. The board should also understand limits, deductible exposure, exclusions, valuation, defense terms, carrier structure, subjectivities, and what financial burden remains with the association and owners.
Does guaranteed replacement cost eliminate every valuation concern?
No. Eligibility, valuation reporting, coinsurance, margin clauses, ordinance or law, policy caps, schedules, and carrier-specific conditions still matter. The exact wording controls.
Can you review a difficult association with old roofs or loss history?
Yes. Rothberg works with both preferred risks and harder-to-place associations. Market availability and terms will depend on the facts, documentation, repairs, and underwriting environment.
Is this legal advice about the board’s fiduciary duties?
No. A competitive comparison can support an informed process, but legal duties depend on applicable law, governing documents, and the circumstances. Associations should consult legal counsel regarding those duties.
See the program in dollars—not percentages.
Share the renewal date, current deductible structure, and a brief description of the community. Rothberg Specialty will outline the next step for a focused review.