Our HO 00 06 10 00 insured lives in a large condo complex that suffered almost total devastation from a hurricane. The windstorm deductible on the condo association's master policy is 2 percent. In the case of this loss, the deductible to the association will be $200,000.

The way the condo bylaws and declaration are written, our insured needs no coverage for real property; thus, we sold him only coverage C.

As expected, the association made an assessment to all unit-owners to cover the amount of the master policy deductible. We told our client that he had $1,000 for loss assessment as an additional coverage under the HO-6. However, the insurer is denying coverage because he did not purchase any coverage A.