Condo investment risk

Of course natural disaster risk in Cuenca is much less than on the coast or northern Ecuador. Regardless, how can we minimize financial risk in Cuenca?

Is it easy to verify that the HOA is current on its insurance premiums?

And how would we know if the insurance company would have the resources to pay claims, especially if several buildings were destroyed?

Can condo owners get parallel building insurance?

Thank you for your thoughts,

Dan
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