The First-Time Condo Owner's First 90 Days: A Practical System for HOA Life, Insurance, and Knowing What's Actually Yours

You don't just own a unit. You own a stake in a community - and nobody explains the difference.Buying a condo or townhome feels like buying a house, until the governing documents arrive, the special assessment notice shows up with no warning, or a leak from the unit upstairs turns into an insurance nightmare you never saw coming.The First-Time Condo Owner's First 90 Days is the practical system existing HOA books don't offer. Not a legal manual for board members. Not a generic homeowner's guide with "HOA" bolted on. A real, plain-English system for exactly what's different about this kind of ownership.- Understand your HO-6 insurance against your association's actual master policy - the single most expensive mistake new condo owners make- A Green/Yellow/Red framework for every system: plumbing, electrical, HVAC, exterior- Step-by-step response for a special assessment notice, a neighbor's leak, or a board dispute- Read your reserve study and know if a surprise assessment is coming before it arrives- Understand what's actually yours vs. the association's - for every square footSourced from CAI/Foundation for Community Association Research data, insurance industry guidance, and real state law frameworks - built around the same first-90-days system as this series' companion titles.Stop guessing what you actually own. Start owning it with confidence.