Philadelphia Insurance Company offers an option for qualifying accounts called the "all-in coverage endorsement". When this endorsement is added the policy becomes "all-in". The all-in endorsement PH-ULT-ALL modifies the intent of the policy to insure all unit-owner improvements regardless of how your condominium documents address unit improvements.

We still suggest the insurance section in your condominium documents reflect the boards intention to either cover unit improvements or not cover unit improvements. This could prevent a problem if you change insurance carriers from Philadelphia Insurance Company and the new insurance company does not offer the all-in endorsement.

The Philadelphia Insurance Company Package Policy will include policy form PI-ULT-030 and also endorsement PI-ULT-ALL. The all in endorsement reads as follows:

All-In Coverage
 
This endorsement modifies insurance provided under the following:
 
CONDOMINIUM ASSOCIATION COVERAGE ENDORSEMENT
 
    Provision A.1.b. is deleted and replaced by the following:
 
b. Buildings described in the Declarations including:
 
    (1) Completed additions;
    (2) Permanently installed;
            (a) Fixtures outside of individual units;
            (b) Machinery; and
           (c) Equipment;
 
    (3) Outdoor fixtures, including awnings;
    (4) Fences;
    (5) Personal property owned by you that is used to maintain or service the "buildings" or their premises, including;
            (a) Fire extinguishing equipment;
            (b) Outdoor furniture;
            (c) Floor coverings;
            (d) Appliances used for refrigeration, ventilating, cooking, dishwashing or laudering that are not contained within
                 individual units;
            (e) Alarm, communication and monitoring sytems;
    (6) If not covered by other insurance:
            (a) Alterations and repairs to the "buildings";
            (b) Materials equipment supplies and temporary structures, on or within 1,000 feet of the described premises,
                 used for making alterations or repairs to the "buildings";
    (7) Foundations, of covered "buildings", machinery and boilers and foundations of equipment and machinery whether
         above or below ground;
    (8) Underground pipes, flues and drains;
    (9) Any of the following types of property contained within a unit, regardless of ownership, If your Condominium
         Association Agreement requires you to insure it;
            (a) Fixtures, improvements and alterations that are a part of the "buildings", and
            (b) Appliances such as those used for refrigeration, ventilating, cooking, dishwashing, laundering, security
                and housekeeping.
 
                but "buildings" do not include personal property owned by, used by or in the care, custody or control of a
                unit owner except for the personal property listed in paragraph A.1.b. (9) above
 
 
PI-ALT-ALL (04/07)

What is covered by the building?

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