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Depending on the state (location) of the condominium, and depending on the governing documents, you can determine who owns the responsibility.

There is a responsibility to repair and perhaps a separate responsibility to pay for the repair.


Read your governing documents, your master insurance policy and your HO-6 (homeowner's policy) to determine who has these responsibilities.


Your state condominium law may establish a default line of ownership between what you own as a unit owner and what is owned in common. Your governing documents may alter, adjust or otherwise change this default line.


Your insurance coverage will help you determine who is responsible to repair and who is responsible to pay for the repair.

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Q: Who is liable if a pipe breaks in my neighbors condo and floods my condo?
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Protect Your Investment with Condo Insurance?

If you own a condominium, you might be surprised to learn that you need to purchase additional condo insurance. After all, don't the condominium associations cover those costs? Many people mistakenly believe that they are completely covered from any damage or theft thanks to their membership to a condo association. In fact, this kind of coverage typically only qualifies the exterior of the building, or any common areas. Should anything happen to the interior of the condo, the owner or tenant would be completely liable and have innumerable expenses. A common cost incurred by condo owners is any kind of flood or water damage. If a faulty pipe or even a leaky faucet while you're away causes excess water in the condo, you may be dealing with anything from repainting the wall to completely redoing the floors. Rather than cover these unexpected expenses out of pocket, those with condo insurance will have these costs covered, and even have help finding contractors to do the work. Having condo insurance can really offer peace of mind for those who are away from their condos for more than a day at a time. If your condo is where you store any valuable or significant items, like televisions, computers, or jewelry, it may be especially important for you to have condo insurance. This can protect you in the event of a break-in, and help you to recoup your monetary losses. Unfortunately, condominium break-ins are common due to the fact that residents are often traveling or away from their second homes. If a burglary occurs in your condo, would you be prepared to cover the expenses? Small payments of condo insurance can help you not to worry about leaving valuables in your condo. If someone were to slip and fall in a condo, the owner would be liable for any injury and medical costs associated with that. In today's legal climate, where high punitive damages are common, that might mean the condo owner would need to pay huge costs. Liability insurance in your condo is important for having guests, visitors, or even handymen doing work in your home. Protect yourself against court fees and amy judgments by investing in condo insurance.