Section 21(1) in Kerala Apartment Ownership Act, 1983
(1)The Secretary or Managing Committee if required by the declaration of the bye-laws or by a Majority of the apartment owners, or at the request of a mortgage having a first mortgage covering an apartment, shall have the authority to, and shall, obtain insurance for the property against loss or damage by fire, and such other hazardsunder such terms and for such amounts as shall be required, or requested.
