All Other General, Procomunal and Limited Common Elements of the Condominium as described in Article No.11, No. 11-A and No.12 by the Law of Condominiums, created by Law No.104 of June 25,1958, and amended by Law No.103 of April 5, 2003, except land. But Common Elements do not include items of real property owned only by a unit- owner.

Coverage within individual units is provided on a bare walls, bare floors and bare ceilings basis. Furthermore, Common Elements do not include personal property owned by, used by or in the care, custody or control of a unit owner.

Further, personal property of others is only covered if it is in the insured's care, custody and control. It has been determined by courts that the property of an individual-unit owner is not in the condo association's care, custody or control if it is located within the individual unit itself. Therefore, there would be no coverage under condo association's policy for the personal property of the unit owner located in the individual unit.

The coverage will apply to the bare walls of each individual unit, but if there is no damage to the individual unit then there would be no coverage. The individual unit owners did not suffer any damage that would be covered by their dwelling policy since the earthquake damage did not affect the individual unit owners. Rather, the unit owners have simply been put out of a place to live, the same as what would happen if there were a fire in the building.