According to the National Association of Insurance Commissioners (NAIC), condo owners are responsible for insuring their own unit. That means if a water leak causes damage to an individual condo, it’s typically the responsibility of the condo owner, not the Homeowners Association (HOA).

Does insurance cover slow water leaks?

Homeowners insurance will only cover water leaks and water damage if the cause is sudden or accidental. For example, if a pipe bursts out of nowhere, the damage will likely be covered by your insurance policy. Gradual water damage, which occurs slowly and over time, is not covered by homeowners insurance.

Who is responsible for plumbing repairs in a Hoa?

So, if your HOA governing documents don’t mention plumbing, repairs are most likely the HOA’s responsibility, because it is common area (again, a conclusive answer needs to come from your HOA counsel). To determine if it is a member maintenance issue under 1364 (a), we next check to see if the area is defined as “exclusive use.”

Is the Hoa responsible for water damage on a home?

Alternatively, any water damage affecting the exterior of the home, such as shingles or paint, is the responsibility of the HOA. This falls under HOA exterior maintenance. 2. Determine the Cause

What’s the difference between Hoa and homeowner repairs?

HOA repairs and homeowner repairs are usually differentiated based on whether the damage is to the exterior of the building or the interior. However, the governing documents are often vague and the issue of HOA water damage is more complex. Water damage often starts on the exterior and works its way inward.

Who is responsible if there is a water leak in the House?

It’s also possible they could ask you to pay, but offer you something towards the cost. If there’s a problem with the water meter, this is the water company’s responsibility. If the leak is due to a damaged water pipe, or if the pipe bursts, responsibility for fixing it depends on which section of the pipe is damaged.