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Does owner of condo take responsibility for water damage to the condo under them?
Wiki User
∙ 11y ago
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.
Wiki User
∙ 11y ago
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