Apartment and Condo Water Events: Who Handles What
Multiple policies may respond
In condos, a master association policy and a unit owner HO-6 policy may both be relevant. Leaks from one unit into another create liability and coverage questions.
Practical coordination tips
- Notify management and your insurer the same day
- Ask who authorizes demolition in shared walls
- Keep a shared timeline of vendor entries
- Clarify temporary housing benefits if rooms are unusable
Do not wait on blame before mitigating
Stopping active water and beginning drying protects everyone. Liability arguments can continue in parallel.