Sections 718.111(11) and 718.115, Florida Statutes (2006), Molokai Villas Condominium Associations, Inc., which is required to insure the condominium property, which includes the buildings, under article 16 of the declaration and Section 718.111(11)(a), Florida Statutes (2006), may not pass on to the four unit owners who own units in the building destroyed by fire and hurricane costs of rebuilding the structure, notwithstanding provisions in the declaration shifting this cost and responsibility to these owners.