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Not my problem, thank goodness, but "asking for a friend." For instance, when the HOA has neglected to address a roof leak or overflowing gutters and the owner of a unit ends up with a water-damaged ceiling or walls as a result, who's responsible and who pays? According to most condo rules, anything from the studs in is on the owner, but what if it's the association's fault? Would it at least be covered by insurance? Anyone ever experienced this situation and, if so, how was it resolved?
I’d also be very adamant about the financial solvency of the HOA, and the management/maintenance of the property- it there a 3rd party management company that handles the maintenance? Who on the board communicates with said company?
How often does the HOA seek new vendors/bids for work/maintenance?
Typically begin by filing an insurance claim with your insurance company. Let them fight the battle for you. I know many ask why should I use my insurance company when it it not my fault. Sorry, but that is how the game is played.
Not my problem, thank goodness, but "asking for a friend." For instance, when the HOA has neglected to address a roof leak or overflowing gutters and the owner of a unit ends up with a water-damaged ceiling or walls as a result, who's responsible and who pays? According to most condo rules, anything from the studs in is on the owner, but what if it's the association's fault? Would it at least be covered by insurance? Anyone ever experienced this situation and, if so, how was it resolved?
Yes. Not my unit, but that of my friend. She had a bookshelf moved and behind it the wall was full of mold. The HOA's building maintenance contractor and insurance person had to come look at it. It turned out there was a roof leak between her one-story "ranch" unit the higher two-story "townhouse" unit next door, and the water had come down behind her wall and caused the mold. The source was external.
The Association IS the homeowners, jointly, and when you pay your HOA fee, part of it is for the insurance that covers the shared components of building exteriors, sidewalks, common areas, whatever else is part of the joint ownership of the complex.
At our townhouse/condo complex, the portion of the HOA fee that is insurance is 24%. So, in addition to your walls-in insurance for your unit, you pay for the outside insurance through your fee.
The moldy wall was torn out, as well as the carpet once it was determined there was also mold underneath it, sheetrock replaced, room painted, and new carpet installed, paid for by the HOA insurance. Of course the building leak was also repaired.
This same woman experienced an interior pipe bursting and flooding her other bedroom 20 years ago. That time her own unit insurance was responsible for the cost of the repairs.
The Association IS the homeowners, jointly, and when you pay your HOA fee, part of it is for the insurance that covers the shared components of building exteriors, sidewalks, common areas, whatever else is part of the joint ownership of the complex.
At our townhouse/condo complex, the portion of the HOA fee that is insurance is 24%. So, in addition to your walls-in insurance for your unit, you pay for the outside insurance through your fee.
Again, one has to read the CCR's- not every HOA is the same- even in the same state! You can't just arbitrarily throw out verbiage and numbers- it maynot apply in the next HOA down the street or the next state.
There is no excuse for ignorance of the law- READ YOUR CONTRACT!!! Once you sign, you assume all responsibility.
Again, one has to read the CCR's- not every HOA is the same- even in the same state! You can't just arbitrarily throw out verbiage and numbers- it maynot apply in the next HOA down the street or the next state.
There is no excuse for ignorance of the law- READ YOUR CONTRACT!!! Once you sign, you assume all responsibility.
Exactly.
The OP asked for any experiences with damage caused to an interior from the exterior, so I gave her one. She will know to find out what is covered by her own insurance and what is covered by HOA insurance.
Our HOA is responsible for the shingled roof and any other outside damages that cause any interior problems to a unit. When we had a roof leak into our unit the HOA immediately had someone come out and take care of everything at no charge to us.
OP check with your management company and your CCR's.
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