Building insurance

Hi,  Does anybody know if we have a communal building insurance or do we have to include the building in our household policy?

I asked our bank and building insurance is part of our mortgage

There is a charge in the community budget for buildings insurance, but to date no details of what is covered have been disclosed

In my community (15 town houses) we pay about 1300 euros from community funds per year for community insurance covering building, 3rd party, sewage, adjoining shared walls etc.

I then pay about 170 euros to cover contents and cover for storm, part building, personal 3rd party.

If we did not have the community insurance I would pay about 350 per year. 

In Spain there are limits for weather damage, ie only occuring after winds of say over 75 KPH, water falling at over 4 litres per hour per square metre etc. check you policy in case of damage and look at historical data on the internet for proof.