Maryland Condo Deductibles: Separate Owner and Shared Costs

For owners of attached residential condos in Maryland, an association charge and an insurance payment are separate questions. Do not treat a deductible cap as promised coverage.

Separate two portions of the deductible

As of October 24, 2026, under §11-114, when damage originates in a unit, that owner is responsible for the master-policy deductible up to $10,000; the excess is a common expense. Common-expense assessments generally follow owners’ percentage interests under §11-110. Request the annual written deductible notice.

Fictional covered loss: assume a $30,000 deductible, repairs above that amount, damage originating in Jordan’s unit, no reserve funding, and Jordan’s applicable common-expense share of 5%. The originating-unit portion is $10,000. The remaining $20,000 is common expense; Jordan’s 5% is $1,000. Together: $11,000 before any personal-policy payment. Other repair costs and fees are not modeled.

Ask what your own policy actually pays

The Maryland Insurance Administration explains that unit-owner policies may include loss assessment protection, subject to terms and monetary limits. It specifically recommends asking whether this coverage applies to the association’s master-policy deductible.

Send your insurer or agent the assessment and ask which provision responds, which limit applies and whether your own deductible reduces payment. A declarations-page number alone does not answer those questions. Obtain the coverage explanation before treating an expected payment as available money.

Also separate damage to your belongings or upgrades from the association’s claim. Maryland’s guide distinguishes the original unit structure under the master policy from owner additions and betterments. One combined repair estimate can conceal costs that need different coverage review.

Check the future change’s effective date

Chapter 717 changes the responsibility formula and insurance requirements effective October 1, 2027—not 2026. The state’s enactment bulletin confirms that date.

Checked October 24, 2026. Educational example, not a claim decision or legal advice.