The Condominium Insurance Amendment Act of 2025 aims to enhance the insurance coverage requirements for condominium unit owners in the District of Columbia. The bill proposes to increase the deductible responsibility for individual unit owners from $5,000 to $25,000 when a loss originates from their unit. This change is intended to alleviate the financial burden on condominium associations, which currently absorb these costs and pass them on to all unit owners through increased fees. Additionally, the bill allows condominium associations to pass along the deductible responsibility to the owners of the units where the loss originated, enabling those owners to utilize their individual insurance policies to settle claims.

The legislation also codifies minimum required coverages for condominium unit owners, including dwelling property coverage, personal liability coverage, and loss assessment coverage, among others. The bill specifies that if damage originates from a unit, the responsible unit owner is liable for the association's property insurance deductible, capped at $25,000. This amendment seeks to clarify the insurance obligations of unit owners and streamline the claims process, ultimately providing better protection for both individual owners and condominium associations.