We are only licensed in the northeast; Massachusetts, Maine, New Hampshire, Vermont and Rhode Island, please let me know if you are in that area. If you are not in any of these states you can try www.trustedchoice.com , this is a national organization for independent agents and has a great agent finder.
When a major loss happens in a common area, the building itself, or in a shared structural area of the condominium, the financial loss has to be made up somewhere.