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Your personal condo insurance should cover it under the liability section. It will not be a penalty to you.

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Q: Who is responsible for costs when a toilet backs up and leaks to unit downstairs in condo?
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How big is 45 sq feet condo?

About 9 x 5


How do you calculate the Owner occupancy Ratio in a condo?

Learn how many of the units in a condominum are lived in by their owners, and then divide that number by the total number of units there.


Are unbuilt lots considered common areas of a condo association?

No, only defined "common areas" owned by the condo association are considered common areas, and unbuilt lots usually belong to an individual (e.g., the developer or an investor). If the association owns them, they are most likely reserved for sale to a future tenant/builder, although the proceeds of the sale will go to the association.


Is a roof top defined as common area of a condo?

Possibly, as it would be cheapest to have all the units re-roofed on a single contract than to do it individually. Also, roof maintenance is probably done by a contractor hired by the association.


Are pipes between the interior and exterior walls of a condo considered common area?

You can find the answer you want in your state's condominium law, where ownership default boundaries may be defined. Then, you can read your governing documents to determine whether the state's default boundaries have been adjusted by your declaration.Knowing this detail is important when insuring your condominium, because if you are responsible to repair damage to your unit caused by a pipe leaking or bursting, then having the appropriate insurance coverage is best.Every set of condominium governing documents is different; every state condominium law defines boundaries and ownership defaults differently.

Related questions

If a leak from my condo damaged the condo below mine and neither of us have insurance who would be responsible for paying for the damages?

If it was determined that the condominium did not bear any blame, then you are the one who would be responsible.


If you live in a second floor condo and there is a water leak that causes damage who is responsible?

If you live in a second floor condo and you rent the condo, the leak that causes damage is the responsibility of the owner of the building. If you own the condo, the leak is the responsibility of the owner of the condo with the leak.


Who is responsible for gutter installation in a condo?

Read your governing documents to determine this responsibility.


If your condo association is responsible for the exterior of your unit and you suffer interior water damage due to a leak from a foundation problem who is responsible to fix the interior damage?

Let your condo insurance company duke it out with the master policy insurance co.


Is the owner of condo responsible for fixing driveway?

It depends on the specific terms outlined in the condo association's bylaws or the individual condo's governing documents. In some cases, the responsibility for maintaining and repairing driveways may fall on the condo association, while in others it may be the responsibility of the individual condo owner. It is best to review the governing documents or consult with the condo association to determine who is responsible for the driveway repairs.


Should you use cork in a 3rd floor condo your husband walks with a cane and drags one foot?

Your consideration of your downstairs neighbors is commendable. Present your remodel plan to the board for approval -- as required by your declaration, and include your downstairs neighbors in the conversation, so that you are confident that the remodel is required.


Is a townhouse like a condo?

A little, but they are different. A townhouse is usually a row house, one of several attached buildings. They may have completely separate ownership. A condominium ("condo") is often more like an apartment but essentially it is a residence that is part of a group that has shared management and maintenance. The condo owner is responsible for inside the walls the a Home Owners Association (HOA) is responsible for the outside and the grounds. The condo owner will pay a monthly fee to the HOA for this work.


Who is responsible for the attic in a multilevel condo?

Read your governing documents to determine who owns what parts of the building(s).


Is condo insurance responsible for flood damage?

If the master policy is written to include flood coverage, then, yes.


If you have pre-existing water leakage from your toilet in your condo and it has ruined the ceiling of the person belowIf you get condo insurance now will it be covered since its already a pre-existin?

Homeowners Insurance Policies always exclude preexisting un-repaired damage.


In a condo who is the responsible for damage to the fuse panel?

Read your governing documents to determine who owns the fuse panel, the unit owner or the association. As well, your board can help you determine who is responsible to fix/replace the panel and who is responsible for paying for it.


Who is responsible for watering the front lawn of a condo townhouse?

Read your governing documents to determine whether or not you are indeed responsible for watering your front lawn.Otherwise, if the association is responsible for watering, you can send a request to the board in writing and ask for their answer to your question.