Condo Owners: Who Is Responsible For Storm Damage?

3/23/2022 (Permalink)

During and after a storm event, the building that you live in may suffer from storm-related water damage.  If your unit suffers damage as a result, you may think that the HOA will be covering the cost of repairs.  You may be wrong.  On the other hand, you may also be wrong if you think that you are on the hook.  Read below to see how these situations can play out.

What The HOA Is Responsible For

Normally, the HOA is responsible for maintaining everything other than individual units.  This means that everything outside your unit should be their problem.  For example, water damage caused by a roof leak would usually be covered by the HOA.

What You Are Responsible For

Unit owners are usually responsible for maintaining their own condo interior and systems that exclusively service their unit.  These are things like water pipes and plumbing drains. While not usually affected by storm damage, these areas are usually the responsibility of the condo unit owner to fix.

You can mitigate your risk for financial burden by carrying an insurance policy that covers water and storm damage.

It is important to contact a certified damage remediation professional as soon as you are aware of storm damage. SERVPRO of Trumbull, Monroe & Northern Bridgeport has over 30 years of experience working with people who need damage restoration at their home or business property.  If you have any type of property damage, call us immediately at 203.324.1642.