You will need to review your condominium documents, and specifically your Declaration of Condominium, to determine what the definition of "common elements" is for your specific project. I think it is appropriate that the condominium association master policy would cover this sort of damage since a common element (the tree) is causing damage. I think it is lazy on the part of the Association to throw this in your lap, but again the circumstances of the condominium may make that appropriate.
Answered on Mar 01st, 2012 at 10:33 AM