Living in a condo has its perks—less maintenance, shared amenities, and a strong sense of community. But when your upstairs neighbor’s washing machine overflows or a pipe bursts, that close-knit living can quickly become a headache. At Harrison Insurance and Financials LTD in Hailey, ID, we help condo owners navigate these types of situations. So, does your condo insurance cover water damage from above? The answer depends on a few key factors.
Understanding Your Coverage
Most condo insurance policies include coverage for damage to the interior of your unit, such as walls, flooring, and personal belongings. This type of coverage is typically part of an HO-6 insurance policy. If water leaks into your condo from an upstairs unit and damages your property, your policy may help pay for repairs and replacements.
However, insurance companies often consider the source of the water. If the damage was sudden and accidental, like a burst pipe, you’re more likely to be covered. On the other hand, if the water intrusion is due to long-term neglect or poor maintenance, coverage may be more complicated.
Who’s Really Responsible?
When the water originates from a neighbor’s unit, their liability insurance may come into play, especially if it’s clear their actions (or inaction) caused the issue. However, your best course of action is to file a claim with your own insurer first and let them handle the process of determining responsibility and payment.
Water damage can be stressful, but you don’t have to face it alone. If you’re unsure what your condo insurance covers, reach out to Harrison Insurance and Financials LTD in Hailey, ID. We’ll help you understand your policy and ensure you’re protected from surprises—whether they come from upstairs or elsewhere.
