Condo Media - September 2022 - 50

The Region RHODE ISLAND
RI Condo Insurance
Amendment Passes
New Law Impacts Coverage and Claims
[By Frank A. Lombardi, Esq., CCAL]
I am pleased to report that thanks to
the efforts of the CAI Rhode Island Legislative
Action Committee (RILAC), RI
Legislative House Bill 7526 and Senate
Bill 2786 were signed into law by Rhode
Island's Gov. Dan McKee on June 28,
2022. The act took effect upon passage.
The new law affects condominium
insurance by providing that a unit
owner's insurance policy will be treated
as the " primary " insurance policy with
respect to any amount of loss which is not
payable under the Association's (Master)
policy due to the application of the
Association's deductible to the claim.
AMENDMENT LANGUAGE
AND IMPACT
Specifically, the statutory provision relating
to condominium insurance in the
Rhode Island Condominium Act-RIGL
34-36.1-3.13 was amended as follows:
Section 3.13(d) which provides that
Insurance policies carried pursuant to
subsection (a) (property and liability),
must provide that (4) if, at the time
of a loss under the policy, there is
other insurance in the name of the
unit owner (such as an H06 policy)
covering the risk covered by the policy,
the Association's policy provides
We are recommending to our Association clients that
they amend their governing documents mandating
that each procure their own H06 coverage.
50 CONDOMEDIA September 2022
primary insurance. Now, with the amendment,
language was added as follows:
" Provided, however, a unit owner's
insurance policy shall become the
primary insurance policy with respect
to any amount of loss covered by the
Association's policy, but not payable
under the Association's policy because
of the application of the deductible. "
By way of explanation, let's say there
is a water damage claim submitted under
the Association's policy in the amount
of $15,000. No dispute of coverage or
damages. Insurance Company sends
Association a check in the amount of
$10,000 after it subtracts its policy deductible
of $5,000. If the Unit Owner has
his/her own homeowner's policy, it must
pick up or pay the $5,000 deductible.
The amendment goes on to add and
revise language to the following sentence
in subsection (h) as follows:
" The cost of repair or replacement in
excess of insurance proceeds, after the
application of the Association's policy
deductible, is a common expense, unless
the declaration declares otherwise. "
By way of explanation, this reworked
sentence means that whatever the Association's
policy does not cover, including
the deductible, shall be considered a
common expense, and assessed against
all unit owners, and/or paid out of the
common expense budget.

Condo Media - September 2022

Table of Contents for the Digital Edition of Condo Media - September 2022

Contents
Condo Media - September 2022 - Intro
Condo Media - September 2022 - Cover1
Condo Media - September 2022 - Cover2
Condo Media - September 2022 - Contents
Condo Media - September 2022 - 2
Condo Media - September 2022 - 3
Condo Media - September 2022 - 4
Condo Media - September 2022 - CT1
Condo Media - September 2022 - CT2
Condo Media - September 2022 - 5
Condo Media - September 2022 - 6
Condo Media - September 2022 - 7
Condo Media - September 2022 - 8
Condo Media - September 2022 - 9
Condo Media - September 2022 - 10
Condo Media - September 2022 - 11
Condo Media - September 2022 - 12
Condo Media - September 2022 - CT3
Condo Media - September 2022 - CT4
Condo Media - September 2022 - 13
Condo Media - September 2022 - 14
Condo Media - September 2022 - 15
Condo Media - September 2022 - 16
Condo Media - September 2022 - 17
Condo Media - September 2022 - 18
Condo Media - September 2022 - 19
Condo Media - September 2022 - 20
Condo Media - September 2022 - 21
Condo Media - September 2022 - 22
Condo Media - September 2022 - 23
Condo Media - September 2022 - 24
Condo Media - September 2022 - 25
Condo Media - September 2022 - 26
Condo Media - September 2022 - 27
Condo Media - September 2022 - 28
Condo Media - September 2022 - 29
Condo Media - September 2022 - 30
Condo Media - September 2022 - 31
Condo Media - September 2022 - 32
Condo Media - September 2022 - 33
Condo Media - September 2022 - 34
Condo Media - September 2022 - 35
Condo Media - September 2022 - 36
Condo Media - September 2022 - 37
Condo Media - September 2022 - 38
Condo Media - September 2022 - 39
Condo Media - September 2022 - 40
Condo Media - September 2022 - 41
Condo Media - September 2022 - 42
Condo Media - September 2022 - 43
Condo Media - September 2022 - 44
Condo Media - September 2022 - 45
Condo Media - September 2022 - 46
Condo Media - September 2022 - 47
Condo Media - September 2022 - 48
Condo Media - September 2022 - 49
Condo Media - September 2022 - 50
Condo Media - September 2022 - 51
Condo Media - September 2022 - 52
Condo Media - September 2022 - 53
Condo Media - September 2022 - 54
Condo Media - September 2022 - 55
Condo Media - September 2022 - 56
Condo Media - September 2022 - Cover3
Condo Media - September 2022 - Cover4
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