Who Is Responsible for Water Damage in a Condo?

Your condominium association's governing documents, like the Declaration of Covenants, Conditions, and Restrictions, define what is a common element versus a unit owner's responsibility. These documents usually include a detailed description of boundaries, known as the "unit boundaries." The location where the water originates relative to these boundaries is the primary factor in determining financial liability for repairs and restoration costs.

These documents also outline the process for filing a claim with the association. It is crucial to provide them to your insurance adjuster. If you cannot find your copy, request one from the association's management company or board. Understanding these rules before an incident occurs helps you act quickly and correctly when water damage happens.

You are typically responsible for water damage that starts within the boundaries of your unit. This includes all fixtures, appliances, and plumbing exclusive to your living space. If your washing machine hose bursts and floods your floor, you are liable for fixing the appliance, repairing your floors, and addressing damage to neighboring units below or beside you.

Your homeowner's insurance policy, often called an HO-6 policy for condos, is designed for this scenario. It should cover your personal property, interior walls, and any upgrades you made. You must also mitigate further damage immediately by stopping the water source and beginning the drying process. Failure to act quickly could increase your liability for secondary damage.

• A leaking water heater, washing machine, or dishwasher.
• An overflowing toilet, sink, or bathtub.
• A malfunctioning ice maker line on your refrigerator.
• A supply line under your kitchen or bathroom sink that bursts.
• Condensation from an in-unit air conditioning unit.
• A plumbing fixture you installed or modified.

Your first priority is safety. Turn off electricity to affected areas if water is near outlets or fixtures. Then, stop the water flow. Know the location of your unit's main water shutoff valve. If you live in Federal Way, keep your shutoff valve location written down. Quickly containing the water limits the scope and cost of damage for all parties involved.

After securing the area, report the incident. Inform your condo board or management company immediately, as they may need to inspect common elements. Then, contact your insurance provider. Do not begin major repairs or discard damaged items until an adjuster has seen them. Your insurer can guide you on hiring qualified restoration professionals to begin water extraction and drying.

• Stop the water at its source if it is safe to do so.
• Turn off the main water supply to your unit if needed.
• Move valuable items and furniture away from the water.
• Place buckets or towels to contain spreading water.
• Notify your condominium association or property manager right away.
• Contact your own insurance company to start a claim.