Accordingly in most cases when water damage is sustained as a result of a flood windstorm roof or window failure or even a leak emanating from an upstairs unit the roof or an exterior wall.
Florida association responsible for roof repairs.
Hoa needs to cover repair of roof damage property damage repairs 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.
Water came in to my condo and has damaged my windows cabinets flooring and back splash in my kitchen.
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.
So in the casualty event a storm or a fire or whatever the claim would go through the insurance from the association and they pay the premium for that.
You share ownership of many building features including the roof with your fellow owners but responsibility for roof repairs may fall on different parties.
The association is generally responsible for all of the common elements in the condominium with the exception of the following which are unit owner responsibilities.
All personal belongings contained within the unit or those left in the limited common areas as well as all wall coverings floor coverings and ceiling coverings.
You are responsible for the roof above your unit and if it develops problems which affect the other units you may also be responsible for paying damages for that.
Deciphering florida law on this issue can be a confusing task as the answer often depends on a multitude of variables.
So like in florida statute comes in and says that by law the association is responsible for the insurance on the air conditioning system from the roof to the air handler.
If an owner s personal property is damaged then the owner s personal insurance should kick in.
However the roof repairs have been neglected for years because they did.
In june we had heavy rain.
The roof spans all of your properties and a problem with one portion of the roof may affect the others.
The association has an insurable interest in all units.
Many condominium boards will try and shift the blame for a failed roof repair or faulty plumbing line to the contractor that did the work.
Unit owners board members and association managers are often unsure of which entity is responsible for the maintenance repair and replacement of certain items when damage occurs.
Depending on condo association rules.
If the source of the water intrusion is from the common elements than the association is responsible for the cause of the water intrusion.
If a common area element like the roof fails and damages that insurable interest such as a ceiling or walls then the association is responsible for repairs.
