Consumption and Real Estate
When a condo gets problems is it the association’s responsibility to have it fixed?
Question : When a condo gets problems is it the association’s responsibility to have it fixed?
I have a condo that has been flooded 3 times – once the above unit flood and it came crashing threw the walls into my unit damaging A LOT, another time water came from under the foundation in two separate areas. When the water came from above the top unit’s private insurance paid to repair the damages to my unit, the other two leaks from under my foundation I paid for. And now it is leaking again – i’ve replaced the floors twice and now there’s water coming from underneath the pergo floors once again. The association tells me to deal with it but i went to an association meeting once and about a third of homeowners present had experienced similar flooding. Do I have to keep paying for this myself?? My insurance is through the associatio (enough coverage where my mortgage company doesn’t require additional coverage) but for example I don’t have a separate policy like the top unit did that covered my expenses when they flooded on me. bottom line – it started flooding this afternoon – not so heavily – i keep putting various towels to soak up the water – but i can’t afford to call a plumber and replace the floors and go through all that once again!!! help please! what are my rights?? This is in California.
top homeowners insurance companies
Best answer:
Answer by Expert Realtor
You are also supposed to have an HO-6 policy to cover your contents and interior attachments.
You and your neighbors need to get together and damand that funds be set aside to get an engineer to look at the problem and fix it rather than patching it….which is what has been happening.
You NEED to get insurance dear….b/c if something goes wrong with YOUR unit, you’ll be obligated to pay back a debt that you don’t have the money for.
You don’t say why it is constantly flooding. Whoever is causing the flooding is responsible. I had a house flood years ago because the main sewer in the street was busted and when it rained it just ran out into all the surrounding property. . .my house. Rather than sue the city, I absorbed the problem. Just because the association tells you to deal with it. . .doesn’t mean it is your responsibility. Really need more info for informed answer. . .Good luck.