The HOA usually has a master insurance policy that covers the building to include your roof. Your responsibility is determined by what the master policy doesn't cover, usually the drywall and everything inside of that you have to insure. A typical condo policy has 30k building coverage which would cover interior walls, cabinets, flooring, sinks,etc. Don't forget your insurance also should cover a loss assessment or a building deductible should your home suffer a loss on the outside of the building. We write condo policies all the time.
Eliane Levaque De Pues, Yes it is true, each HOA / Condo association has their own set of rules and regulations. This includes what amenities are included in the maintenance fees.
You can look at a building and it might look like a condo but functions like a single family. Why? It depends how the developer registered the initial documents with the state of florida at the time of development. Also at that time, the initial rules and regulations and what's included with the monthly maintenance fee was determined.
If you have a particular project in mind, then providing a specific answer to your question would be easier.
Your realtor should be able to answer these questions for you! But, according to the MLS listing
the items included are: Escrow Resrv, Ground Mtnce, Roof, Security, Trash Remv, Water/Sewer as well as all community amenities. Hope this helps!