r/HOA • u/Clear-Rock505 • 13h ago
Help: Damage, Insurance Who has responsibility/liability for water leaks from upstairs unit to downstairs unit? Who pays for damage to each unit? [CA] [Condo]
If there is a water leaks from my unit and it leaks to downstairs neighbor, what am I supposed to do?
- File a claim with my condo insurance for damage to my unit and downstairs neighbor would file claim to their own insurance, correct? The two insurance companies would then work between one another if there is subrogation?.
- I, as an upstairs unit would not be responsible for damage to downstairs unit unless of negligence, correct? Each unit is responsible to fix there own unit?
Edit: Didn’t realize there wouldn’t be a clear consensus. Half posts say upstairs neighbor is liable and half say everyone is responsible for their own unit if there is an accidental leak. My CC&Rs don’t mention anything unfortunately.