A. Pursuant to Section 12 of the Condominium Act, a condominium association is required to have insurance for the repair or replacement of bare walls, floors and ceilings in a unit, including a primer coat of paint. Unit owners are responsible for the decorating in their units and also per Section 12, floor, wall and ceiling coverings. Floor, wall and ceiling coverings include hardwood floors and paint or wallpaper on drywall. A unit owner’s homeowners insurance should cover floor coverings.
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