As a condominium owner, generally, you are covered by two insurance policies:
Usually condominium associations carry a master insurance policy that covers common areas and limited common areas. Then each unit owner carries an HO-6 policy, covering property not covered by the master policy.
Depending on the cause of the water damage, one or the other policy should cover the repair.
Call your HO-6 policy broker and make a claim. Then the agent can help the insurers decide who has the responsibility to fix -- and this may be you -- and who has the responsibility to pay for the repairs.
Any damage to the association building can be collected through the tenants of the association. The tenants insurance will pay a limited amount for the repairs.
Let your condo insurance company duke it out with the master policy insurance co.
If the insurance is in effect when the damage occurred, the lack of registration shouldn't matter.
An insurance company covers damage to the property if you bought a Homeowners Insurance Policy. They cannot force you to do anything except to pay for the coverage. A landlord of a house you live in, or a condo association can force you to pick up damaged patio cover because it is unsightly and ruins the look of the Condo. Read the Association Laws.
The purpose of the condominium association insurance is to guard the tenants from having to pay for water damage caused by leaky faucets or from damage to the structure of the rental establishment. The purpose of the condominium association insurance is the same as any other insurance policy and that is to have in place moneys that the tenant do not have to pay in the event of a mishap to the structure of having lived in the dwelling.
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In most cases the association is responsible for mantaining the roof and structure. It should the the association's insurance problem.
HIRE AN INDEPENDENT APPRAISER. FROM INS AGENT IN TX
If you purchased the rental company's insurance option then the rental company's insurance is responsible. If you did not purchase the insurance option, then YOUR insurance is responsible.
Contact your insurance company to see if they can repair your damage for free and get the bikers insurance details and their name and adddress if your insurance needs them.
Call your insurance company and get a claim started.
An insurance company offers insurance or protection to the public. For instance, if you want to protect your home from theft, fire and other types of damage you would purchase insurance.