1335 - Condominium, without Interior Finishes

This occupancy should be used when states or insurance policies require the condominium association to be responsible for many of the interior components that have been included in Occupancy 1332 - Condominium, Interior Space.

For the electrical, all the wiring run within the walls is included, but fixtures are not. The same is true for plumbing. Hot and cold water pipes run within the walls or below the slab, along with sewer and ventilation stacks are included. However, no water heaters, sinks, showers, or toilets are included. All interior partition walls are framed, dry walled, and primed, but they lack any paint or other coverings offered within the program. The same is true for the floor and ceiling finishes. This occupancy does include heat, but air conditioning is not included. Also omitted from this occupancy are any cabinets or appliances.

Note: If interior finishes are included with the coverage, you can add them to the valuation using the appropriate interior finish adjustments within the program.

Included

Doors and Windows
Electrical Wiring
Exterior Wall Finish
Foundation
Heating System
Partition Walls
Plumbing
Roof
Stairs when appropriate
Structural Framing
Structured Wiring (communication)

Not Included

Air Conditioning
Appliances
Balconies and Decks
Electrical Fixtures
Elevators
Interior Floor, Ceiling, and Partition Wall Finishes
Plumbing Fixtures
Swimming Pools
Window Treatments