HOA insurance responsibility?

Question

I own a Condo that the kitchen and living room was flooded due to a backup up pipe inside the building.  The whole side of the building can not use the kitchen until HOA fixes it.  My floors were damaged and my kitchen cabinets in the bottom.  Dirty water backed up from the pipes and out from our dish washer. This is a rental property and I have tenants in there.  Ia the HOA responsible since it was due to the building main drain pipes?

Ron Rohrssen · Answer

@Jerry how is this working out? I'm curious on how your HOA interprets damage due to a clog in interior plumbing.

Jerry Akop · Answer

@Russell Brazil. Thats what I was thinking.  I just dont want it to go agains my is insurance policy since its not my fault.  So it works just like car insurance?  They will go after HOA?

Russell Brazil · Answer

File an insurance claim with your insurance and they will coordinate with hoa policy

Ron Rohrssen · Answer

@Jerry I think a bit of communication with both would be in order. I'm assuming that you have a copy of the bylaws. If you do, read through them carefully. I've only read thoroughly through a couple of different association bylaws. They weren't done very well and had many pieces of the text that countermanded other parts of the document. It must be difficult for the association to know how to enforce them.

Jerry Akop · Answer

@Ron Rohrssen should i have my insurence deal with them or should i contact them directly?

Ron Rohrssen · Answer

I was very fortunate.  In my scenario the claim sure to the nature of the damage would have resulted in 3 separate claims with 3 deductibles.  It would have been thousands.

The HOA carried lower deductibles.  So,  it wasn't as much of an impact.