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If the cable tv company causes water damage to a condo unit will the condo association insurance cover it?

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As a condominium owner, generally, you are covered by two insurance policies:
  • The master policy, which insures all the assets owned in common, and may include liability insurance
  • The HO-6 homeowner's policy that you carry, which insures your assets that only you own.
Read about the insurance coverage required for the community in your governing documents to verify that the liability coverage would cover a vendor -- assuming that the cable TV company is a vendor of the association.

You can claim for damage repair under your HO-6 policy, and tell your carrier about how the damage occurred.

Then the insurance companies can decide who is liable for the repairs.
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