Why is the Association moving from “All-In” to “Original Specs”?

Transitioning to “Original Specs” allows the Association to focus its insurance budget on the shared structural elements and common areas while letting owners control the cost of insuring their own custom finishes. Under an “All-In” model, every owner essentially pays for everyone else’s upgrades; under “Original Specs,” the master policy covers the standard unit, and owners insure their own specific upgrades or renovations. If you have upgraded your unit, please notify your personal insurance agent so they can adjust your HO-6 policy accordingly.