It’s no secret that we’re in what’s known as a hard insurance market, a time when insurance carriers deal with a squeeze on their profits by raising premiums, lowering coverage limits and adding exclusions to their policies. But the boards of many co-ops, condos and homeowners associations, especially in the outer boroughs and suburbs, are getting hit by another hard reality: insuring wooden-frame buildings is now more expensive than ever.   Read the article………………………..