This may be a civil court matter. Each homeowner is subject to the deductible on their respective policies. However, it is likely that if the other three unit owners sue you in court they would be awarded damages since you admit the damage was caused by your negligence and that cost them money. Damages would include the unit owners having to each pay the deductible on their own homeowners insurance. You should seek legal advice from an attorney. It may be wise for you to simply pay the deductibles rather than risking being the defendant in three lawsuits.
Do you have insurance? Your claims agent should stick up for you in this situation. If you don't have insurance you now know why you need to get some for the future.
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.
Let your condo insurance company duke it out with the master policy insurance co.
If the master policy is written to include flood coverage, then, yes.
It should go on your neighbors insurance, he's the one whos responsible for the damage.
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.
In most cases the association is responsible for mantaining the roof and structure. It should the the association's insurance problem.
Ho-6 condo insurance covers damage to the homeowner's property which includes furniture, computer equipment and clothing. It also covers losses under the owner's master policy deductibles. In addition it provides coverage for improvements or upgrades as most master insurance policies only cover the condition and value of the home as it was at the time the policy is opened.
If the pressure exceeds the normal rating of the fittings and valves.. Normally rated for 125 PSI
If it was determined that the condominium did not bear any blame, then you are the one who would be responsible.
It depends on the specific circumstances and the terms outlined in the condo association's bylaws or governing documents. In some cases, the condo association may be responsible for repairing mold damage if it is a result of common areas or shared systems. However, if the mold damage is due to the negligence of a unit owner or resident, they may be held responsible for the repairs. It is best to consult the condo association's governing documents and speak with the association board for specific information.
Read your governing documents to determine this responsibility.
HO6 condo insurance covers damage to the interior of the condo and the possessions therein from things such as fire, theft, water damage, etc. The master policy that covers the building only covers exterior damage. HO6 insurance would be necessary in places where wild fires or other natural disasters are somewhat frequent.