MISSOURI

SECTION 25

HOMEOWNERS

GENERAL RATING AND CODING RULES
RULES MANUAL
RULE 25.1B
 DATE: 01-15-2001

RULE 25.1B - CONDOMINIUM/TOWNHOUSE OR ROWHOUSE - DEFINED

1)   Condominium

An individually owned residence attached to many similar units which share a common exterior and roof surface such that no separate or specific exterior surface is owned or maintained by the individual condominium owner. The exterior surfaces and mechanical system are owned and insured via group ownership of the actual building by means of a condominium association. The structure resembles an apartment building.

2)   Townhouse or Rowhouse

One of a row of houses connected by common side walls where the individual owner of the unit owns and maintains all exterior surfaces including the roof surface. Generally, the units are connected by a firewall which extends several feet above and through the roof separating the unit from the adjoining units.