For some condo owners, the high deductible means significant costs.

In fact, he said, such mortgages should be easier to get for condo owners because board approval is not required.

All the uncertainty has had real costs for many of the condo owners.

Most condo owners would be expected to pay $100 to $150 each annually.

A door from the building's second floor will provide access for condo owners.

Fees are charged to the condo owners for maintenance of the common areas.

A woman sitting beside the condo owner murmured to him, "Even if you win, she can appeal and you'll have to come back again."

Mostly modest homes on small lots fill many of the streets that the new condo owners will use.

"This works a huge revolution in the personal exposure of condo owners to liability," he said.

But by then, the condo owners were fed up, so they sued.