SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 4703.4 — Liability insurance for Condominium Projects and Cooperative Projects
SUPERSEDED — this is the PRIOR text of Freddie Mac Guide Section 4703.4 (Liability insurance for Condominium Projects and Cooperative Projects), dated 08/03/26, as published in the Guide as of Bulletin 2026-11 (August 12, 2026). Freddie Mac renumbered and revised this section: the Guide as of Bulletin 2026-13 (October 7, 2026) carries it as Section 4703.5 (Bulletin 2026-I (September 16, 2026)). Freddie Mac states that Bulletin 2026-I's refactoring of Chapters 2101 and 4703 changed no requirements. Retained because a loan or exam period governed by the earlier text needs the version in force at the time.
Superseded — retained for reference. The operative requirements have moved to the current rule (see the description above).
Verbatim regulatory text
Verbatim provisions from SUPERSEDED — prior version (Guide as of Bulletin 2026-11, published August 12, 2026) — Freddie Mac Single-Family Seller/Servicer Guide 4703.4 — Liability insurance for Condominium Projects and Cooperative Projects — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
[SUPERSEDED] Freddie Mac Single-Family Seller/Servicer Guide 4703.4 — Liability insurance for Condominium Projects and Cooperative Projects
Effective for Mortgages with Application Received Dates on or after August 3, 2026. Liability insurance is required for all Condominium Projects and Cooperative Projects, except the following: ■ Condominium Projects and Condominium Unit Mortgages that meet the requirements in Section 5701.7 and are delivered as Exempt From Review ■ Cooperative Share Loans that meet the requirements in Section 5701.7 and are delivered as Exempt From Review ■ Freddie Mac Enhanced Relief Refinance® Mortgages The condominium homeowners association or Cooperative Corporation must maintain commercial general liability (CGL) insurance covering all common areas, Common Elements, commercial spaces and public ways in the Condominium Project or Cooperative Project. If not already included in the terms of the CGL coverage, there must be a “severability of interest” endorsement precluding the insurer’s denial of a unit owner’s claim because of negligent acts by the association, corporation or other unit owners. The insurer’s limit of liability per occurrence for personal injury, bodily injury or property damage under the terms of the above coverages must be at least $1 million and the coverage must provide for claim settlements on an occurrence basis.
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Source of record: https://claudeforcompliance.com/regs/fhlmc-4703-4-superseded-2026-10/
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