How to Determine Liability in Condominium Water Damage
Condominium associations keep insurance coverage to cover common areas in the complex, while private condo insurance policies cover the interiors of private units, such as the walls, flooring and contents. Some policies cover fixtures in each of the private systems, while other policies supply coverage only for the building outside, basement, roofing system and other typical areas.
Evaluation both the master structure policy and your private apartment insurance coverage to see what each policy covers. If you do not have a copy of the structure policy, it can be obtained from a member of your condominium association.
Determine the cause of the water damage. If the water damage occurred since your toilet overruned or a pipe in your cooking area burst, the claim will likely go through your personal condo insurance plan. If the water damage arised from an overflow in an adjacent unit, nevertheless, the scenario can get sticky. According to the American Homeowners Resource Center, condominium associations are frequently reluctant to get involved in such unit-to-unit problems.
Contact your condo association to let them know of any water damage that stemmed outside your system – whether it was due to a leaking roofing system or a neighbor’s overflowing washing device. This will enable you to determine their reaction to your problem so you can identify whether it is an issue they will have repaired. Harmful mold growth can start within two days of the water damage, so be consistent and request an immediate reaction – particularly if the damage has made your system uninhabitable.
File a claim with either the insurer of the master structure policy or your individual policy, depending on who is accountable for the damage. If neither insurer accepts the claim since the damage happened in an adjoining system, talk about the issue straight with your next-door neighbor. Make certain to collect all the details concerning his insurance coverage so the concern can be handled without delay. If the next-door neighbor is uncooperative and denies responsibility, litigation might be essential.
Contact an expert plumbing professional to have actually the circumstance examined if the precise cause of the water damage can’t lie. A plumbing professional can look for dripping pipes and evaluate the concealed reason for damage.