In a condo building or complex, a broken water heater, a ruptured washing machine hose, a busted pipe or an overflowing toilet in one unit can cause a massive amount of damage, not just to that unit, but units located below it or next door to it. The big questions when something like this happens is not only who’s to blame, but also who is going to pay for the damage done to your unit or the adjoining units.
Who Pays What? Who’s At Fault?
If you own the condo where the problem originated, are you to be held liable to pay for the repairs in every other condo affected by your loss? If you own the condo next door, is the other owner responsible for your repairs or do you have to pay for your own condo’s damages?
These are big questions. The answer is… it’s hard to say.
At Dragon we have performed remediation work in multiple situations just like this. In some cases we have seen A: the condo owner where the damage originated be responsible for ALL damage. In other cases we have seen B: each individual condo owner be responsible the damage in their particular condo. So, the answer is either “A” or “B”, right?
Hold on! There is also an answer C. Sometimes you pay for yours, he pays for his, and the condo association pays for any affected common areas that are damaged. Areas like hallways, stairways and such.
Or there is answer C-1. You pay for yours and he pays for his, but only for contents, wall coverings or paint, and flooring, like vinyl or carpet, and the condo association pays for all drywall in every affected condo along with all the damaged common areas.
Shall I go on? There is also answer C-2. Your insurance company covers only your contents, maybe your damaged contents and any neighbor’s damaged contents and the condo association pays for everything else.
Then there is answer C-3, C-4, C-5, etc, etc, etc.
The real answer is: WHO KNOWS!!
Quicker than you can sort it all out, we’ll dry it all out. And the neighbor’s place too!