What Are HOA Responsibilities for Storm Damage?

A homeowners association is generally responsible for repairing storm damage to common areas. This includes shared building exteriors like roofs, siding, and gutters, as well as community amenities such as pools, playgrounds, and parking lots. The specific definition of a common area is in your HOA's Covenants, Conditions, and Restrictions (CC&Rs). Your responsibility usually begins at the interior walls of your private unit.

First, ensure your family's safety and document all damage with photos and videos. Then, immediately notify your HOA board in writing about the damage to common areas. Simultaneously, contact your own homeowners insurance provider to report damage to your private unit and belongings. Acting quickly helps prevent secondary damage like mold, which can develop within 24 to 48 hours in damp conditions.

• Photograph all damage, both inside your unit and in common areas.
• Contact your HOA board via email or written letter for a formal record.
• File a claim with your personal homeowners insurance company promptly.
• Mitigate further damage by placing tarps or moving belongings if safe to do so.
• Keep copies of all correspondence with the HOA and your insurer.
• Understand that final responsibility is determined by your specific CC&Rs.

For significant water intrusion, local water damage pros can provide essential drying and restoration services for your unit. The HOA may hire their own pros for common area restoration. It is crucial to coordinate to ensure all affected areas, including shared walls and structural cavities, are properly dried and monitored. This comprehensive approach helps prevent costly mold issues and structural problems later. Document all professional assessments and detailed reports for both your insurer and the HOA board.