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Is condominium association ever responsible for interior water damage due to burst pipes?
Mdcummings
You can find the answer you want in your governing documents. Look there to find the boundary between an owner's property and the common property. This boundary can be, the 'skin', the paint, the plasterboard, the studs and so forth: there is no standard boundary nationwide. Each state may define the boundary in its condominium law; every set of governing documents may amend, alter or otherwise adjust the boundary set by the state law.
Some of this answer depends on 'interior': if the interior is of the interior common area -- a lobby, a garage-- then, probably, 'yes'; if the interior is of a unit, then, 'it all depends'.
There are two issues here: a responsibility to repair and a responsibility to pay for the repair.
If interior is of a unit, then the owner may have the responsibility to repair. Depending on the ownership of the pipe -- unit owner or all owners -- the damage may be covered by the master policy insuring all elements/ assets owned in common. In that case, the association through the master policy may have the responsibility to pay for the repair.
An owner's policy, called an HO-6 policy, may also be called upon to pay for the repair, depending on who owns the pipe that burst.
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If your condo association is responsible for the exterior of your unit and you suffer interior water damage due to a leak from a foundation problem who is responsible to fix the interior damage?
Let your condo insurance company duke it out with the master policy insurance co.
What is the purpose of condominium association insurance?
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.
What kinds of things does condominium insurance cover?
Adjoining condominiums and townhouses run the risk of incurring damages from an unforeseen water damage / fire. Your unit may had a fire and smoke damage to your neighbors unit or your dishwasher leaks and causes the unit below to have to replace their ceiling, electric and etc. Who is responsible in a multi-unit building? The first thought is the association will cover it, but that is not generally the case. H06 Insurance will be the policy for this type of protection. Without it, you will need very deep pockets to cover your interior damage and the damage of your neighbors. That’s why it is very important to have an insurance policy for your condominium or townhouse unit.
Can your condominium association decline to pay for damages if a window leaked and caused damage to the wall on the inside of the condo?
You can find the answer you want in your governing documents. There, you can find out who owns the window. If you own it, then you are responsible; if the association owns it, then the association is responsible. (The mystery issue is: what is a 'window'? What is included in the definition? The glass? The casing? The screens? The framing? Your governing documents and your association may or may not have defined this variable.) Your first task will be to repair the damage. Water intrusion always leads to mold, so it is imperative that the leak damage be repaired, and the source identified and also repaired. As soon as possible. There may be a difference here between who is responsible to pay and who is responsible to repair. Contact your HO-6 policy broker and describe the situation. The broker can help you by working with the association's master policy carrier to repair and to pay.
Are pipes between the interior and exterior walls of a condo considered common area?
You can find the answer you want in your state's condominium law, where ownership default boundaries may be defined. Then, you can read your governing documents to determine whether the state's default boundaries have been adjusted by your declaration.Knowing this detail is important when insuring your condominium, because if you are responsible to repair damage to your unit caused by a pipe leaking or bursting, then having the appropriate insurance coverage is best.Every set of condominium governing documents is different; every state condominium law defines boundaries and ownership defaults differently.
What does alterations and additions mean on a condo insurance policy?
Usually, alterations and additions to the interior of a condominium unit means changing the interior of a unit by turning a closet into a study or nursery, for example, or adding a half-wall in a great room. Otherwise and without alterations and additions, the condominium unit is described as the builder built it and finished the interior. NB: During the period when alterations are being performed, it's a good idea to check with your HO-6 policy agent and the association's master policy agent to verify that you have insurance coverage for any incidental damage that occurs during construction.
Is homeowners insurance or condo insurance or both responsible for leakage from the roof that has caused damage to the floors ceiling and walls?
In most cases the association is responsible for mantaining the roof and structure. It should the the association's insurance problem.
Does a homeowner association ever become responsible for vehicle damage?
Possibly. It would depend on the facts and the laws of your state.
What do members of the Chemical Manufacturers Association pledge in the Responsible Care program?
They have pledged to manufacture without causing environmental damage.
Does owner of condo take responsibility for water damage to the condo under them?
It is commendable that you want to step up and take responsibility for water damage that you may have caused: your washer overflowed, your drain backed up, and so forth. Often, water damage extends outside your unit boundaries and affects not only your neighbor, but affects assets in the walls owned in common with all other owners. When a 'water damage' event occurs, best practices dictate that the person observing it contact the board/ association manager -- as in an emergency event notification process -- and pay attention first to minimizing the damage. For example, get the water turned off, put a bucket under the leaky drain, and so forth. Next comes the cleanup process which also requires prompt attention. Once the emergency is handled, as an owner, you can contact your HO-6 condominium owners policy carrier, and/or -- through your board or association manager -- your association master policy broker/ carrier, so that 'the responsible party' can be notified to pay for the repair of the damage. Too often, however, water damage is noticed that has been ongoing -- unseen -- for a period: a pipe in the wall leaks, a window or roof leaks during storms, and so forth. In this situation, contact the board/ association manager to put them on notice of water damage. Again, you can contact your HO-6 policy carrier, to notify them also, and potentially claim for damage to your property. The board/ association manager has the responsibility to contact the master policy carrier and to organize damage cleanup. As well, this is where the responsibility lies to identify the source of the water. If you are identified as the source of the damage and carry no condominium owner's insurance, you are probably responsible for paying out of your pocket for both the cleanup and for the water damage. If you believe that your upstairs neighbor is responsible for water damage to your unit, contact your board/ association manager, so that the matter is handled appropriately. Pass along the contact details to your HO-6 policy carrier, so that you can file a claim.
Who is responsible in a Miami for a water damage in a condominiums?
Responsibility depends on the details. For example, if the bathroom in the unit above yours springs a leak and damages your bathroom the upstairs owner is responsible for the damages. If water seeps in from some outside source it may take an expert to determine who is responsible for repairs. Water leaks and damage must be attended to immediately. Call your association board or association manager to report the situation.
In a condo who is the responsible for damage to the fuse panel?
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.
