Water damage. Condo refusing to cover drywall.

3 Replies

I recently had some water damage in my condo that was caused by a small crack in a water feed line to the refrigerator. I had all of the costs covered by the insurance company minus the drywall which I was told was to be covered by the homeowners association. The cost of the new drywall was $1900 and the homeowners association says that is not their responsibility and it is not covered by the insurance of HOA fees. I have looked through the deck pages and all documents I have for the condo and still can't find any clear answer to whose responsibility it is. In everything that I have researched and gotten advice about it seems it should be covered by the homeowners association. Any suggestions?

I assume the leak came from the portion of the line Inside your unit (your line) as opposed to the portion of the water line inside the walls (the association/common area water line) ?  If so, the hoa has no responsibility, even though the association "owns" the actual Sheetrock, you "own" the from the paint in.  Same as if a water leak from Inside your unit caused damage to a lower unit, your insurance co. would be responsible to that other unit owner.

Originally posted by @Wayne Brooks :

I assume the leak came from the portion of the line Inside your unit (your line) as opposed to the portion of the water line inside the walls (the association/common area water line) ?  If so, the hoa has no responsibility, even though the association "owns" the actual Sheetrock, you "own" the from the paint in.  Same as if a water leak from Inside your unit caused damage to a lower unit, your insurance co. would be responsible to that other unit owner.

Thanks for the insight Wayne. Just wanted to be sure they weren’t trying to take advantage of me.

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