1. Leak Originating from Common Areas: If the water leak originates from a shared element or common area, such as a faulty pipe in the building's plumbing system or a leaky roof, it is typically the responsibility of the HOA to address and repair the issue. In such cases, the repairs would be covered by the funds collected through HOA fees.. Water Backup - Typical condo insurance does not cover water damage resulting from drain or sewer backups. Water backup caused by HOA's neglect is covered by HOA's master policy. If the cause is not clear or if it the damage emanates from a drain back up in your condo, you'll be responsible for the costs unless you carry supplementary.
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There are many layers of responsibility. In the spirit of duty, the responsibility lies where the water originated. If it came from the roof, then the association should pay for the full extent of the damage caused by this maintenance failure. If it came from a resident error, that resident may be responsible. But there is also the legal element.. Due to condos having common walls, water damage can seep into other units sing water losses to occur. 85% of building property (e.g., cabinetry, drywall, flooring, etc.) Condo claims are due to water losses*. Up to 35% of water Condo claims are due to burst pipes, non-weather related *. 30% of water Condo claims are due to overflows of sink.
