Section 3. Proviso

FCHOA Bylaws - Revision Date: 2022-05-20

The Association and the Board shall not be liable for failure to obtain any insurance coverage required by this Article or for any loss or damage resulting from such failure: (i) if the failure is due to the unavailability of such coverage from reputable insurance companies; (ii) if the coverage is only available at demonstrably unreasonable costs; or (iii) if the Association’s insurance professionals advise that such coverage required herein is not necessary.