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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.

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โˆ™ 2015-03-31 15:35:16
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โˆ™ 2005-05-24 01:19:05

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.

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Q: You live in a condo and leave a pot on the stove that causes damage to your's and three other units who is responsible for the deductibles?
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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.

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.

If a leaking shower in an upstairs condo apartment causes damage and leakage in the ceiling in the apartment below who is responsible for repairs?

You should check on the laws in your area. In some regions, neither is responsible and your respective insurance companies pay for your own repairs. In others, the condo owner's insurance company above is repsonsible for paying. There may be a way to claim from the condo owner themselves.

Is condo insurance responsible for flood damage?

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

Your neighbors washer leaked and ruined your condo you have no insurance?

It should go on your neighbors insurance, he's the one whos responsible for the 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.

Upstairs neighbor washer leaked into my condo is she responsible for damages?

Her condo insurance would cover it.

Is homeowners insurance or condo insurance or both responsible for leakage from the roof that has caused damage to the floors ceiling and walls?

In most cases the association is responsible for mantaining the roof and structure. It should the the association's insurance problem.

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If the pressure exceeds the normal rating of the fittings and valves.. Normally rated for 125 PSI

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.

What does Ho-6 condo insurance do?

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.

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Read your governing documents to determine this responsibility.

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