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Your first task is to report the leak into your unit, so that the leak can be addressed and damage repaired. There may be a difference between who repairs the damage and who pays for it. Report it to the association manager, the resident manager, and/or the board.

Overall, read your governing documents to determine who owns the roof. Look in your CC&Rs in the section with 'boundaries' in the title or the text. The owner of the roof is responsible for repairs, and it may very well be the association.

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10y ago
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8y ago

As an owner, you can contact the master policy carrier and report the leak in the roof, which is common area. Notify your board that you have made this call.

Call your broker, the one that carries your HO-6 insurance policy on your personal possessions, and file a claim for the damages to your property -- and to the parts of the unit that you own. (Your governing documents describe the line between what you own and what your association owns.)

Let the insurance companies decide who is responsible to pay, and set the board on the task for making the repairs.

Living with a leaky roof while you all struggle with who's liable will only increase the amount of damage.

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Q: Is the condo association responible for damages for leaky roof?
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