If y'all own a single-family home and notice a leak in a wall pipe, it's relatively easy to set in that yous're the homeowner and tin can do whatever you lot delight, whenever you please when it comes to fixing plumbing problems.

Simply what practice you lot do when you detect a leak in a wall or floor in your condo? And what if water damage has resulted from the leak?

Condo ownership means you "ain" just the infinite between your condo's walls; the walls, roof, flooring, etc. are owned jointly amongst you and the other owners of units within the condominium project.

So if you discover a water pipage leak or another plumbing issue that's affecting your unit, who is responsible for fixing the impairment and paying for the repair?

It depends. Specifically, it depends on what actually caused the h2o harm

Your condo association will have insurance to cover the common areas of your evolution. As the homeowner, yous volition take private condo insurance to cover the inside of your unit, such as your floor, walls, and the contents of your condo.

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If the plumbing in walls or floors causes water damage in your unit of measurement, or your neighbor'southward unit of measurement, who is responsible?

Ane of your important tasks as a condo owner is to make certain you are very familiar with your development'southward principal policy. You must clearly understand what is covered under the policy and what isn't. This is of import because some insurance policies exercise cover the fixtures in individual condo units while others encompass only the building'south exterior, roof, common areas, and basement.

If water has caused damage and if the harm occurred because a toilet overflowed in your unit or because your kitchen piping broke, the price of repairs will probably be covered under your personal condo insurance.

But if the water impairment was a effect of an adjoining unit'southward overflow, y'all may exist in for some problem, considering many condo associations are unlikely to go involved in what is known as unit-to-unit issues. For example, your neighbor'due south pipe burst in his kitchen, resulting in h2o damage that too came to impact your ain unit.

Contact Your Condo Association

No thing if the water damage came as a result of your neighbor's burst pipe or if the condo's roof leaked, your outset footstep is to contact your condo clan. This way you'll know soon plenty if they call up information technology's something the clan should make sure is fixed.

Determine Whose Insurance Volition Pay for the Damage

Your side by side stride to decide whose insurance will pay for the damage. File a claim with either your ain private policy insurance company or with the association's insurance firm. If the water damage occurred because of a problem in your neighbor's unit and neither of the insurance companies accepts your claim, talk directly with your neighbor and brand sure you lot have as much data equally you can go about his insurance policy.

Your Take Away

Know your individual policy and go a copy of your condo association's policy. And be sure to practise and then before you could always demand information technology. In other words, have the policies handy and easily accessible.

Contact a plumbing company such as Plumbing Dynamics to evaluate water damage in your condo unit. Nosotros can ascertain the cause of the damage, fifty-fifty if the spot where the damage originated can't be found.  Give usa a call or contact us online.