When a hot water tank leaks in a multi-family residence, there are several scenarios for who fixes and who pays for the fixes caused by the water damage, and they may be different
First, as the owner of the tank, you may have first responsibility to pay. The association probably has responsibility to fix any damage.
Second, if the association has taken over responsibility for hoses, drains, water heater tanks and other potential leak sources and the board failed to inspect the heater as scheduled, then the association may be responsible for both.
Third, if the heater is shared by multiple units, and is not a tank, but an 'always hot' green, tank-less heater, the owner(s) of the Plumbing fixture may be responsible to pay for the repairs and the association is responsible to affect the repairs.
It depends.
If the owner allowed the water heater to 'blow' or fail in any way, even by allowing it to age without inspecting it, then the owner's insurance may be liable for all the water damage caused by its failure.
If, however, the association has taken control of unit-based, water-threats, including interior plumbing, water heaters, washing machine and dish washer hoses, and failed to monitor this device, the association's master policy may be liable.
Work with your board to determine the cause of the failure, and then the responsibility can be determined.
Finally, if the water heater 'blew up' based on its defectiveness, then the manufacturer's insurance may be liable to pay for the damage.
Read your governing documents to determine who owns what parts of the building(s).
If it was determined that the condominium did not bear any blame, then you are the one who would be responsible.
If you live in a second floor condo and you rent the condo, the leak that causes damage is the responsibility of the owner of the building. If you own the condo, the leak is the responsibility of the owner of the condo with the leak.
Read your governing documents to determine this responsibility.
Your personal condo insurance should cover it under the liability section. It will not be a penalty to you.
Let your condo insurance company duke it out with the master policy insurance co.
It depends on the specific terms outlined in the condo association's bylaws or the individual condo's governing documents. In some cases, the responsibility for maintaining and repairing driveways may fall on the condo association, while in others it may be the responsibility of the individual condo owner. It is best to review the governing documents or consult with the condo association to determine who is responsible for the driveway repairs.
A little, but they are different. A townhouse is usually a row house, one of several attached buildings. They may have completely separate ownership. A condominium ("condo") is often more like an apartment but essentially it is a residence that is part of a group that has shared management and maintenance. The condo owner is responsible for inside the walls the a Home Owners Association (HOA) is responsible for the outside and the grounds. The condo owner will pay a monthly fee to the HOA for this work.
If the master policy is written to include flood coverage, then, yes.
Read your governing documents to determine who owns the fuse panel, the unit owner or the association. As well, your board can help you determine who is responsible to fix/replace the panel and who is responsible for paying for it.
Read your governing documents to determine whether or not you are indeed responsible for watering your front lawn.Otherwise, if the association is responsible for watering, you can send a request to the board in writing and ask for their answer to your question.
You are responsible for all debits to the Association and Mortgage holder until the unit is sold. If the unit is sold the New owner get to pay your bad debit, the mortgage company will hold you responsible for any difference between the sales price and what is owed.