Will Hoa Cover Leaking Roof

Property damage repairs.

Will hoa cover leaking roof.

My indiana hoa association for my condo that has failed to keep up repair on the roof common elements and now i have damage inside my condo on the ceiling. The iii explains that while the hoa s master policy covers common areas including your roof condo insurance is meant to help cover damage that might occur inside the unit. If the damage occurred due to problems with the roof you can hold the hoa responsible for paying to repair any damage caused by the roof leak as well as compensating you for any expenses you have incurred due to the damage. A condo policy may help cover repairs if water leaks through the roof and into your unit.

Homeowners insurance may or may not cover roof leaks depending on what caused the roof leak. Generally speaking sudden events that damage a well maintained roof and that lead to leaks will be covered by homeowners insurance. Leaks due to more gradual events such as age rot normal wear and tear and inadequate maintenance are generally not covered. Even if the roof leak is caused by a.

My insurance won t cover because it. When associations cover your roof if your association pays for all roof maintenance including replacement when the time comes it budgets for the costs in advance. They say they don t have responsibility for anything inside the walls of my condo. A standard homeowners insurance policy will cover water damage and roof leaks unless they re the result of gross negligence on your part.

File a claim with your homeowners insurance and let them and the hoa determine who pays. In a word yes. Please be sure to indicate the best answer. If the roof leak was caused by a covered peril then homeowners insurance should cover it.

If the roof was a common element they usually are then the hoa is responsible. There are some exceptions to these general principles.