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Chances are you and the HOA both have sewer back up coverage. I had this happen in 2017, single TH incident, no one to blame it on. My insurance covered the mitigation and replacement of all furniture and flooring. 20 power fans/dehumidifiers came in and ran 24/7. They even paid for the difference in my electric bill. All drywall and doors were cut 24 inches from ground level. They covered junk haulers, new drywall and painting.
This was probably my most horrible experience in home ownership - and I've had a 60+ foot tree take our my roof, along with 2 chimneys, skylights, livingroom.
Bite the bullet, don't screw around, you need professional help.
Most HOA rules are clear that they are not responsible for damage within your unit.
The roof leaks, they will fix it, but any water damage is between you and your insurance company.
The sewer backs up, they'll clean the sewer, but any damage is between you and your insurance company.
If the insurance company has reason to believe the HOA was negligent, they may go after them.
I've never heard of HOAs regularly cleaning out sewers, by the way.
it is pretty much the same rules you have in co-ops ... the building fixes the structural issues but you are responsible for your own unit's damages on personal effects like carpeting or electronics damaged .
You do realize that YOU are your HOA? It's not a rental management company, it's you and all of your fellow owners. Do you think that your neighbors should pay to clean and repair your condo? Because that's where the money ultimately comes from. Are you ok paying your share for anyone else's unit that may have also been affected?
Sorry, but that argument is baloney. Why should one random individual have to bear the burden of a building fault? It was not related to anything the condo owner could control.
Actually, maybe not. My deductible for getting their service is $500. I can replace that small section of carpet for probably the same price.
So, the only two options I see are:
1. Pay around that much replace the carpet in that small section, take HOA to small claims and see if I can win.
2. Take the loss on this one. Replace my carpet, and pay out of pocket.
Anyone have any other suggestions? If not, I'm going with #1.
File the insurance and let professionals take care of it. It happened in one of the homes we rented and the restoration company removed all the carpet, the bathroom flooring, the baseboards, disinfected everything and had the fans running 24/7 until everything was clean, dry and safe.
Sorry, but that argument is baloney. Why should one random individual have to bear the burden of a building fault? It was not related to anything the condo owner could control.
When you buy into a condo, you get the documents that spell out what is the responsibility of the individual owner and what is the responsibility of the HOA. It's baloney to pretend that there isn't already a contract in place spelling this out.
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