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Depending on the state (location) of the condominium, and depending on the governing documents, you can determine who owns the responsibility.

There is a responsibility to repair and perhaps a separate responsibility to pay for the repair.


Read your governing documents, your master insurance policy and your HO-6 (homeowner's policy) to determine who has these responsibilities.


Your state condominium law may establish a default line of ownership between what you own as a unit owner and what is owned in common. Your governing documents may alter, adjust or otherwise change this default line.


Your insurance coverage will help you determine who is responsible to repair and who is responsible to pay for the repair.

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Q: Who is liable if a pipe breaks in my neighbors condo and floods my condo?
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