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 introduces a significant change by increasing the deductible responsibility for individual unit owners from $5,000 to $25,000 when a loss originates from their unit. This adjustment allows condominium associations to pass the deductible responsibility to the unit owners, enabling them to utilize their individual insurance policies to settle claims rather than relying solely on the condominium association's master insurance policy.

Additionally, the bill codifies minimum required coverages for condominium unit owners, including dwelling property coverage, personal liability coverage, and loss assessment coverage, among others. The legislation also mandates that unit owners provide evidence of their insurance coverage to the condominium association annually. These changes are designed to address the rising costs of insurance and provide a clearer framework for handling property losses in condominium settings, ultimately benefiting both individual owners and the associations.