The association of my condo has failed to fix the roof properly over the years and has done patch work to fix spots here and there.
Will hoa cover leaking roof.
The hoa pays for the repairs but there seem to be additional repairs performed that are unrelated to the exterior leak.
In some states there are specific laws deciding who is responsible.
My indiana hoa association for my condo that has failed to keep up repair on the roof common elements and now i have damage inside my condo on the ceiling.
However the roof repairs have been neglected for years because they did.
They say they don t have responsibility for anything inside the walls of my condo.
Property damage repairs.
My insurance won t cover because it.
Generally speaking sudden events that damage a well maintained roof and that lead to leaks will be covered by homeowners insurance.
Unit owners claim the damage is from an exterior leak.
The iii explains that while the hoa s master policy covers common areas including your roof condo insurance is meant to help cover damage that might occur inside the unit.
For instance if it is the result of an hoa or condo water damage negligence then the homeowner should not be responsible for it.
Even though the rains triggered it the insurance company might claim that s a general wear and tear problem reflecting your roof s gradual deterioration which is never covered.
If the leak and subsequent damage are both in a common area then the association is responsible for the cost of remediation.
The best documents will be thorough and meticulous often with a section on hoa water damage responsibility specifying the exact situations wherein an hoa or a homeowner should be held accountable.
The board states that the interior is my responsibility.
This has been going on for years and has become a great expense to the association.
The hoa has a duty to maintain the roof so that no water infiltration occurs.
In june we had heavy rain.
When associations cover your roof if your association pays for all roof maintenance including replacement when the time comes it budgets for the costs in advance.
A condo policy may help cover repairs if water leaks through the roof and into your unit.
There are some exceptions to these general principles.
If the damage occurred due to problems with the roof you can hold the hoa responsible for paying to repair any damage caused by the roof leak as well as compensating you for any expenses you have incurred due to the damage.
Water came in to my condo and has damaged my windows cabinets flooring and back splash in my kitchen.
Hoa or condo association duty.
