Quote Quoting adjusterjack
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Note the sentence that I emphasized.

However, the space through which floor joists, ceiling joists, and wall studs pass are common elements (except for partition floors, ceilings, and walls) and are the responsibility of the HOA for repair and maintenance
Can you please better describe why you think the space through which floor joints (and ceiling joints) are common elements as this is where insulation is needed? I'm not quite reading that in the description of the Unit as it mentions the lowest surface of the concrete slab or subfloor.