Will Hoa Cover Leaking Roof

Leaks due to more gradual events such as age rot normal wear and tear and inadequate maintenance are generally not covered.

Will hoa cover leaking roof. Ultimately though there is going to be a negotiation between insurance companies. My insurance won t cover because it. Hoa needs to cover repair of roof damage. 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 hoa pays for the repairs but there seem to be additional repairs performed that are unrelated to the exterior leak. This has been going on for years and has become a great expense to the association. 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. If the leak and subsequent damage are both in a common area then the association is responsible for the cost of remediation. 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. They say they don t have responsibility for anything inside the walls of my condo.

Water came in to my condo and has damaged my windows cabinets flooring and back splash in my kitchen. In some states there are specific laws deciding who is responsible. There are some exceptions to these general principles. Hoa or condo association duty.

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

Property damage repairs. 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. 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. However the roof repairs have been neglected for years because they did.