Rosalind is a member of a home owners' association that attempts to keep members' dues down by skimping on the insurance on association-owned property. To protect herself against a large loss assessment if the association suffers an underinsured loss, Rosalind should make sure her standard homeowners policy includes:
a. A supplemental loss assessment coverage endorsement that increases the loss assessment coverage limits in her policy.
b. A loss assessment coverage for earthquake endorsement unless she lives near a fault line.
c. A subrogation waiver in favor of the association.
d. Standard loss assessment coverage with no modifying endorsements.