Tag Archives: Damage

Condo Unit Owner Seeks Legal Recourse for Poorly Maintained Roof

D.N. from outside of Connecticut writes:

Dear Mister Condo,

After living in my condo unit for many years, the roof recently came off during a rainstorm. The Association’s master policy is paying for the property damage which means they will put the home back to the state it was sold to me. However, do I have any legal recourse against the property management company and the board for not maintaining the roof in good order in addition to what the insurance will cover. The roof was originally scheduled for replacement in August. My roof came off in July. The state of the roof of my unit as well as the other roofs in the building unit I am in was in very poor shape. It appeared as though the roof should have been replaced or maintained quite some time ago. I was wondering if I had any recourse against either or both parties for not maintaining the property at the level it should. I have always paid my condo fee in full and feel I deserve to have my property maintained.

Mister Condo replies:

D.N., poorly maintained condos are almost always the result of “deferred maintenance”, the polite term for not collecting enough common fees to make adequate Reserve Fund contributions over the years. I am sorry that you had a such a direct impact from such a poorly maintained roof and I am glad that you have had the benefit of insurance to help you rebuild. As for your ability to seek additional damages against the association, I am doubtful. That isn’t to say you couldn’t try but the reality is no real crime was committed here. The Board is democratically elected by the unit owners like yourself and has likely changed over many times in the years of neglect involved. The Property Management company does the bidding of the Board so they are not at fault. Who exactly would you sue? The association paid to replace your roof after it failed so they fulfilled their obligation as well. I am not an attorney and offer no legal advice here. My friendly advice is to be happy that you have been made whole by insurance and that no one was injured by the failed roof. You might ask the Board what steps they are taking to start saving for the next roof now that the current one is new. My guess is your common fees need to increase 20% or more to properly reserve for future repairs. As you can imagine, that won’t be popular with unit owners who are unlikely to want to pay more today for tomorrow’s repairs. Yet, that is the right solution. Good luck!

Condo Landlord Reluctant to Pay for Damage to Neighboring Unit

D.J. from Michigan writes:

Dear Mister Condo,

I have a condo. A little over 1 month ago, water was pouring out of my linen closet. I immediately ran to my neighbors, thinking they must not be home or left water running. They were and I advised water is pouring out of my linen closet. They came down to take a look. They are renters. I’m an owner. I notified the HOA that night, by phone and email. Eventually, after 2 days the HOA sent out professional to dry vac my carpeting and to detect the problem. Once the bathroom ceiling was opened up, linen closet ripped out the problem was located, and it was & has been determined the renter’s condo owner is responsible for basically getting my bathroom back together/carpeting replaced/drywalls repaired: I have no linen closet, because it was ripped out.

The owner of the other unit and the HOA are going back and forth as to who is responsible. The HOA has brought in an attorney to confirm they, meaning the other condo owner, are totally responsible. The owner feels as though the HOA is responsible, because it’s a common area. This is so bad, the owner has asked for the bylaws, which was provided. No one is doing anything, and I’m caught in the middle, totally. I can’t see this being resolved any time soon. The owner will not provide his insurance information, so a claim can be started. I’ve already asked the HOA for information & was told, the owner will not provide that information.

I’ve been very patient and understanding, but nothing is being done. I’m at the point I need to contact an attorney and sue the HOA, as well as the Owner, for my insolvencies, as well as repairs/replacement of items.

Mister Condo replies:

D.J., I am sorry for your worries and problems. Water damage at condos is far too common and, as you are seeing first-hand, it isn’t always a simple case of pointing to the cause and assessing the cost of repairs. Your closing comments are my best advice to you. It is long past the time of being patient and understanding. The other parties have hired attorneys, so should you. If the damage came from a common area, the other owner may have a point. If not, he may be responsible and have to pay or have his insurance company pay. Either way, your best interests will be protected by having your own attorney look out for them. Have you read the by-laws yourself? Sometimes it helps to have your own understanding of what is being contested. It doesn’t necessarily help resolve the matter any sooner but it might help you understand what the legal bickering is about. All the best!

Homeowner’s Insurance Should Cover Damage from Condo Neighbor’s Air Conditioner

A.B. from Massachusetts writes:

Dear Mister Condo,

I live in a 100-unit condo in Cambridge, MA. My upstairs neighbor’s air conditioner leaked, causing water damage to my unit. Who is responsible and who files an insurance claim?

Mister Condo replies:

A.B., I am sorry you took damage from a neighbor’s air conditioner. Your own insurance is your first line of defense. Your insurance should cover any interior damage to your unit, less your deductible. Your neighbor may also have insurance that would come into play if your insurer goes after him/her for the damage caused. There are also times when the association insurance can come into play but this doesn’t sound like one of those times. File your own claim with your own insurance and get your damage repaired. Good luck!

Board Dragging Heels on Simple Repair Project

K.W. from outside of Connecticut writes:

Dear Mister Condo,

Condo association has accepted responsibility to fix a pipe in a carport roof that freezes in low temperatures. It paid an engineer to recommend a fix. However, it has failed for 2 years to initiate a repair and will not give me the engineer’s report. My attorney has demanded action but has received no response. What can I do?

Mister Condo replies:

K.W., I think you are already doing all you can do. You have hired an attorney who will look out for your best interest in this matter. Since the association has acknowledged ownership of the problem, there really isn’t too much else you can do. Any idea what the delay is? Is it an expensive repair? My guess is they are just going to wrap the pipe in insulation and try not to make it too unsightly. Unless there is more to this story, I am not sure why it is taking them two years to handle this simple matter. Keep on top of your attorney and the Board to make sure the project gets done. Other than that, follow your attorney’s advice. Good luck!

Condo Board Passes Along Leak Inspection Fee to Unit Owner

J.B. from outside of Connecticut writes:

Dear Mister Condo,

The unit below our condo reported a ceiling leak to the HOA maintenance. The maintenance personnel looked at the leak, performed a moisture test, then asked to go into our unit. He identified our kitchen faucet as leaking and told us to fix it. We replaced the leaking faucet. The HOA then sent us a $90 bill for his “investigation services”. Are we responsible for his service?

Mister Condo replies:

J.B., most likely, yes. Your unit was found liable. It is not uncommon for the association to pass along expenses they incur that are attributable to a particular unit. On the upside, $90 isn’t very much money compared to the thousands of dollars that such a leak could have caused. I would pay the $90 and be thankful the leak didn’t cause more damage. Good luck!

Condo Owner Flooded Twice by Vacant Unit Above

D.B. from outside of Connecticut writes:

Dear Mister Condo,

Our 2-level condo was flooded last week for the second time in 17 months by a bank-owned unit above ours. The first time the above unit was unfinished and not winterized; a pipe burst, flooded us below and we were out 47 days for repair. This time the bank owner’s subcontractor broke a sprinkler head, resulting in more damage than last time. What is our legal status with owner and with subcontractor? Settlement? Lawsuit? Other remedies? It will be repaired but we will be out an indefinite time.

Mister Condo replies:

D.B., I am so sorry for the double whammy you have experienced. I can’t even imagine the heartache and inconvenience these back-to-back disasters have caused you. Unfortunately, the nature of having units stacked on top of each other creates the possibility for exactly the types of problems you have experienced. The good news is that insurance covers most of the loss. The bad news is that lawsuits are typically only used for your “out-of-pocket” expense. They rarely cover paying you back for your inconvenience and time. I don’t think I see the basis for a lawsuit or settlement based on what you have shared with me. However, I am not an attorney so I offer no legal advice in this column. If you think you are entitled to damages above and beyond what has been offered, you should seek the advice of a local attorney who can best guide you. I wish you dryness and a comfortable living space moving forward. Good luck!

Rats in the Condo Attic; Rats on the Condo Board!

J.S. from California writes:

Dear Mister Condo,

I live in a 100+ unit condominium development in California. My question is whether the current board is under any obligation to correct mistakes made by a past board? Specifically, a past board denied my request to do work clearly in the common area as defined in our CC & R’s. That area is the attic above our unit where there was significant rat infestation. The board authorized the pest control company that we have on annual contract to close out all the openings allowing the rats into the attic and to remove all dead rats and rat traps. The board refused to remove the fouled attic insulation, clean the attic and replace the insulation. The local county Vector Control District recommended the clean-up and insulation replacement to protect us and our downstairs neighbor (there is a fresh air make-up duct to her unit from our attic) from possible contamination of virus, etc.. Our general contractor (we were having a lot of remodeling done including plumbing, electric and HVAC all of which required workers in the attic space) refused to begin the remodeling until the attic was properly cleaned to protect his workers. After finding out much more about the past boards’ and current boards’ position on repairing damage in units (they have been paying to restore, repair, replace damaged items from water leaks even if those items are in the “unit” and not contained in the common area, an act specifically against rules in our CC & R’s) I resubmitted a request reimbursement for the cost to clean out the attic and replace the insulation which I had done at my cost after the past board had denied the request to pay for the work. The current board is waffling on whether to reimburse me or not fearing that they should not open a can of worms and reverse a previous board. Doesn’t the fact that we are a California corporation require the current board to correct a past board’s mistake when that mistake is brought to their attention? Doesn’t the corporate responsibility to act in accordance with the CC & R’s continue regardless of which board is in place? Thank you.

Mister Condo replies:

J.S., I am sorry for all of your problems. Rat infestations and the resulting potential for hazardous conditions is no laughing matter and the failure of the previous boards to take corrective action is appalling. However, the sins of the father are not necessarily vested upon the son in the form of the current Board. You should have sued the association for not taking the proper action back when the infestation and resulting damage was going on. You were not authorized by the Board to pay for the attic cleaning and insulation replacement. In fact, since you do not own that space, you really shouldn’t have done that. That being said, I would have done the same thing under those conditions rather than risk my own health due to an incompetent Board. So where does that leave you now? Obviously, the good news is that you have remediated the damage and are living in a healthy environment. You have asked the Board to reimburse you for the work and while I agree with you that they should, they are correct in that it sets a dangerous precedent of having unit owners handle repairs that the Board is responsible for and then obligating the Board to reimburse the unit owner for the work. Quite simply, that is not how things work in a condo. When common elements are damaged, the association needs to make the repair, putting them in control of hiring the contractor, negotiating terms, etc. You usurped that process when you took care of the problem on your own. Had a previous Board authorized your action, then it would be as simple as you submitting your receipts for reimbursement. Instead of asking permission, you now need to beg forgiveness. The Board is under no obligation that I am aware of to pay you back so ask politely. If the dollar amount is large enough, you might wish to speak to an attorney to see if it is worth pursuing. Otherwise, see what the Board does, hope for the best, and be happy that you have a rodent and disease-free living space. All the best!

Unit Owner Pissed Off at Condo Board Over Dog Urine Remediation

K.R. from Fairfield County writes:

Dear Mister Condo,

I just purchased a unit that was a short sale. It had visible dog urine damage. The board was aware of this unit’s condition. After removing the carpeting and padding there is wet sub floor and wet framing from the dog urine. I am replacing the sub floor and some insulation as the dog urine seeped through the abutting sub floor and caused damage to some of the insulation as well. I received a note from one of the board members saying I need their permission to do any work in my unit. I read my bylaws and I own the subfloor. Why would I need permission to replace the sub floor or even update my kitchen cabinets? Does the board really have this much control over my home? What about my quiet enjoyment? What does CIOA have to say about this situation? Thank you for your anticipated response.

Mister Condo replies:

K.R., I am sorry for all of your problems. I hope you have been able to fully remediate the issue and get your unit in a livable condition. As to your interaction with the Board regarding repair and restitution work, I have a few thoughts to share. The ownership of the subfloor is not in question; it’s yours. Most associations require unit owners to inform them of any modifications to their units (including restoration) and for good reason. For starters, you may have contractors coming on to the property. These folks need to be licensed and insured and you may need to provide proof of same to the association. Second, depending on the nature of the repairs and/or upgrades, the Board has to make sure you aren’t working on any supporting walls or structures. Finally, if the association’s insurance policy is “all in” coverage, any upgrades you made need to be reported to the insurance company so they are covered. CIOA doesn’t come in to play with any of these issues as far as I know. Living in a community association means playing by the rules. My guess is once you have finished this project, you won’t have anything further to report or ask permission of the Board. All the best!

Who Pays to Repair Condo Vandalism?

M.N. from outside of Connecticut writes:

Dear Mister Condo,

I serve on the board and had my property vandalized who’s responsible, me or the Condo?

Mister Condo replies:

M.N., I am sorry you had your property vandalized. Regardless of your position on the Board, if a crime has been committed against your own personal property, it would typically be your responsibility to repair it and, hopefully, your insurance would cover the damage. If association property were damaged, then it is the association’s responsibility to repair the damage. Whatever the damage, I hope you contacted the police. Vandalism is a crime. The Board isn’t the Police Department. The Board governs and enforces the covenants of the association; the local police handle criminal matters. Good luck!

Leaking Condo Foundation Responsibility

S.B. from outside of Connecticut writes:

Dear Mister Condo,

Who is responsible for a leaking foundation?

Mister Condo replies:

S.B., unless your documents specify who owns the foundation, that could be a point of contention between the unit owner and the association. Typically, the foundation is owned by the association, but not always, so check your documents and see if it is listed as an association asset. The next question is going to be what caused the leak and how should it be remedied. Sump pumps are common solutions and then, of course, comes the question of who install, owns, maintains, and pays for the cost of operating the sump pump. Get ready for some pushback from the Board as they generally do not like to obligate the association to a new expense but if it is the problem is their responsibility, so is the solution. Good luck!