Condo living offers many advantages, but like any home arrangement, it comes with some complications. For instance, your neighbor's plumbing issues may become your own. The condo's common areas can also be a problem. In case of a leak that affects more than just your unit, you need to know who is responsible for repairs and damages.
Condo Policy
When you first buy your condo, you need to do a little research on condo policy. Most such buildings will carry insurance on public areas but expect each condo owner to cover their own unit. This policy works fine until the neighbor's toilet overflows and damages your ceiling or your tub springs a leak and rots the wall next door. Traditionally, a condo association doesn't want to referee disputes between unit owners, but they should still be notified of the issue. You will also have to work with your neighbor and your insurance company to determine liability.
Plumber
When you find a leak in your unit, your first step is to call your own plumber to find out if the leak is coming from your part of the plumbing. If it is, you will need to have it repaired. Fortunately, many condo policies will cover the damage as long as the problem isn't due to poor maintenance on your part. Your insurance company will also work with your neighbor's insurance to determine who pays for what if your leak has affected their space. The reverse is obviously true as well. The real complication comes if the source of the leak is difficult to determine.
Conflict
If the leak is not coming from your unit, you need to contact the association and report the problem. They will then probably have their own plumber examine the situation. If the leak is coming from faulty plumbing in public areas, the condo board should pay. If another unit is the source, they should pay. If the leak source cannot be determined, you are not responsible for the cost of anything except your own unit's repair. These situations can get tricky. If you feel you are being unfairly charged, you may need to seek legal counsel.
The best thing you can do for everyone involved is to purchase the proper condo insurance. Make certain you know who is responsible for what issues in your unit before trouble arises. If you purchase the right insurance, you and your neighbor's property will benefit. For more information, contact local professionals like G William Collier Agency.
Share30 August 2016
