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It all depends.

Depending on the insurance policy you carry on your personal property, and depending on the insurance carried by the association and the insurance carried by the roofer, there would be some number of possibilities for who ultimately pays.

If I were you, I'd document the loss of my personal property and include photos. I'd verify the association's insurance coverage (carrier name, policy # if available) and the roofer's insurance coverage (carrier name, policy # if available).

Then I would file a claim with my insurance carrier and pass the other coverage details along with the claim and let my carrier decide who should pay.

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Q: If the Home Owners Association for a condominium community hires a roofer to make repairs to the common area and there is damage to a unit owners personal property who is responsible for the damages?
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