1. Insurance Limit
Yes, your condo master policy will cover property damage to the building and common areas, but only up to its limits. Depending on what those limits are, there's always a chance that a severe incident could exceed them. If that happens, it might fall on the condo owners to make up the difference and help repair the damage. By adding loss assessment coverage to your condo insurance, though, you can help avoid paying out of pocket.
https://www.esurance.com/info/condo/hoa-insurance
2. 你不满意HOA的分摊，去HOA月会去抱怨好了。先研究condo bylaws，看看不满HOA决定如何申请重新考虑。
