Is an HOA responsible for water damage to your condo?

When is an HOA responsible for water damage to your condo?

Water damage to shared areas of your condo complex, such as hallways, lobbies, stairways, and clubhouses, may be covered by the condo association's master insurance policy, but responsibility can vary and is determined on a case-by-case basis.

Some HOAs provide limited coverage for specific scenarios, including shared roofs. If your condo gets water damage from a roof leak, your association may help cover repair costs. But since HOA master policies may differ, it's best to review the policy thoroughly before purchasing your condo.

When are you responsible for water damage to your condo?

Water damage to your unit from the drywall in is typically your responsibility and not covered by the HOA. If the water damage was sudden and accidental, such as a burst pipe, your condo policy's dwelling coverage may pay for the repairs, up to your coverage limit and minus your deductible.

Personal belongings in your unit damaged from water won't be covered by the HOA's policy. However, your condo policy's personal property coverage may pay to replace the items, up to your coverage limit and minus your deductible.

Find out more about condo insurance coverages.

Do HOAs cover plumbing?

When it comes to your HOA, plumbing responsibilities more than likely will fall on you as the condo's owner. If there is a plumbing issue with the pipes within your condo unit, you may be responsible for maintenance and any repairs needed. However, if there is an issue with the condo's complex as a whole, rather than just one single unit, the HOA's condo master policy may cover the repair costs.

Which types of water damage aren't covered by condo insurance?

A determining factor for coverage against water damage under a condo insurance policy is where the water source originated. Here are instances when water damage to your unit likely won't be covered:

• Water back-up from sewer or drain: While this usually isn't covered by standard condo insurance policies, most insurers offer the option to add water back-up coverage for an additional cost
• Flooding: Water damage from flooding isn't typically covered on a standard condo insurance policy, but you may be able to purchase separate flood insurance, depending on your location
• Repair or replacement of the source of the water damage: If an appliance malfunctions, such as your dishwasher, condo insurance may cover the water damage caused by the mishap, but not the cost of repairing or replacing the appliance
• Negligence: Water damage resulting from neglect or poor maintenance generally won't be covered by condo insurance

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