Our claims department continues to struggle with coverage provided by the CP 00 17 10 00 for (specifically) carpeting, and also wallpaper and paint inside a condominium unit. We are currently of the opinion that if the condo documents (master deed and bylaws) require the association to insure, for example, all units, common elements and limited common elements, the CP 00 17 would pick up coverage for carpet, wallpaper and paint.

We frequently encounter losses where the damage is confined to a single unit and it is necessary to replace vinyl or carpet and padding because of the buckling of the sub flooring. Confusion (not to mention frustration) occurs in trying to determine where the coverage comes from.

The HO-6 policy contains a statement making it excess over the association policy, and the CP 00 17 is specific that it is primary and not contributing. Is it the intent of the CP 00 17 to include carpet, etc., if the association is charged with insuring it? And, in the second paragraph of the HO-6 "other insurance" clause, the word "recoverable" could indicate that if the master policy has a deductible which prevents recovery from its policy, the HO-6 will drop down and become primary to that policy.