Will Hoa Cover Leaking Roof

This has been going on for years and has become a great expense to the association.

Will hoa cover leaking roof.

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. For instance if it is the result of an hoa or condo water damage negligence then the homeowner should not be responsible for it. 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. In june we had heavy rain.

The board states that the interior is my responsibility. They say they don t have responsibility for anything inside the walls of my condo. Unit owners claim the damage is from an exterior leak. There are some exceptions to these general principles.

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. 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. Property damage repairs. The hoa has a duty to maintain the roof so that no water infiltration occurs.

The hoa pays for the repairs but there seem to be additional repairs performed that are unrelated to the exterior leak. Generally speaking sudden events that damage a well maintained roof and that lead to leaks will be covered by homeowners insurance. If the leak and subsequent damage are both in a common area then the association is responsible for the cost of remediation. 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.

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. Hoa or condo association duty. Hoa needs to cover repair of roof damage. A condo policy may help cover repairs if water leaks through the roof and into your unit.

Leaks due to more gradual events such as age rot normal wear and tear and inadequate maintenance are generally not covered. 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. My insurance won t cover because it.