Suddenly the fire engines pull up in front of your building. Smoke permeates the hallways. The firemen are pulling their equipment in through the lobby, and now they are breaking down the door to Apt. 5. Water is gushing out of the hoses, and the fire has been doused. But so has Apt. 5, along with the destruction of its front door. With one emergency behind you, another event emerges: the co-op’s insurance deductible is half the cost of repair. How can the co-op recover the shortfall? Listen as Matthew Leeds, partner at Ganfer and Shore and Adam Leitman Baily, owner of the eponymous firm, advise Ron Sinclair, property manager at a New Rochelle co-op, on how to proceed.