MD SB633

Amends Maryland Real Property law to make condominium unit owners responsible for the full cost of repair or replacement when damage or destruction originates from their unit, eliminating the previous $10,000 cap on liability

When damage originates from common elements or outside the condominium, the insurance deductible and repair costs exceeding insurance proceeds remain a common expense shared by all unit owners

Requires councils of unit owners to annually inform each owner in writing of their potential liability for damage originating from their unit and their share of insurance deductibles for common-area damage

If damage originating from a unit is not repaired, the responsible unit owner must pay to restore the damaged area to a condition compatible with the rest of the condominium

Applies only to residential condominiums and takes effect October 1, 2026