Our HOA suffered a fire couple years ago and 4 of the 12 units went through repairs. These 4 units are owned by 2 owners.

Insurance payout did not sufficiently cover all the costs and I'm in the process of calculating the owner out-of-pocket costs. The non-construction costs are:

1) Insurance deductible
2) Private adjuster fee
3) Project administration fee (HOA property manager)

Is there a rule-of-thumb as to which of these costs should be shouldered by the HOA vs. the 2 owners who own the units part of the fire claim?

The answer to this question is not in our bylaws, and this is the first insurance-related project in our history, so I have no precedent to go by. Seeking input as to what is most commonly done, or if it is entirely up to the HOA to decide?

Thanks, Vlad