W.P. from Howard County, Maryland writes:
Dear Mister Condo,
One of our multi-level buildings developed a leak in the roof. The top unit had ceiling water damage and the board claimed they were responsible for only the roof repair, whereas the owner was responsible to repair his ceiling. Something doesn’t seem right. What is your input?
Mister Condo replies:
W.P., actually that sounds about right. Most condos and HOAs require home and unit owners to maintain their own insurance for damage inside of their unit. The HOA is responsible for the roof and the owner is responsible for maintaining the interior of their unit. In this case, having a higher-level unit meant that the roof damage that allowed the leak damaged the top-floor unit ceiling. The homeowner’s insurance should cover the homeowner’s portion of the repair, less any deductible they might have to pay. That is pretty common throughout the country and is a good example of why unit owners should always have their own insurance policy to protect the interior of their dwelling. All the best!