When Is The Condo Association Responsible for Water Damage and Mold? (2024)

In Florida, water and mold damage to the drywall of the walls and ceiling of condominium units is a frequent problem. When unit owners bring water and mold damage issues to the attention of the condo association, many associations usually try to point the finger at someone else. Although each condominium has its own rules which are contained in the condominium’s governing documents, the general rule is that the condominium is responsible for the common elements of the building. Most associations have a non-delegable duty to maintain the common elements of the association and cannot refuse to maintain and repair damaged common elements in the condo on the basis that it was the fault of a third-party such as a contractor or neighboring unit owner. We frequently accept cases from condo unit owners in situations where the association refuses to repair damaged drywall and ceilings that was caused by a leak from a neighboring unit owner.

In most condominiums, the common elements include the drywall that is contained in each condo unit. Typically, the condo unit owner is responsible for the finished interior surface or the covering of the drywall, however, the condominium is responsible for the drywall itself. Therefore, if the unit’s walls or ceiling are water or mold damaged, it is the condominium’s duty and obligation to replace the drywall. The unit owner is responsible for re-painting or replacing wallpaper.

Florida Statute 718.111(11)(f) generally defines the respective responsibilities between the condo unit owner and the condominium association. The association is generally responsible for all of the common elements in the condominium with the exception of the following which are unit owner responsibilities: all personal belongings contained within the unit, or those left in the limited common areas, as well as all wall coverings, floor coverings and ceiling coverings. In addition, the unit owner is generally responsible for his or her own appliances, water heaters, furnishings, cabinets, fixtures, and window treatments.

If you have suffered damage to your condominium unit, the first step in the analysis is who caused the loss. We typically see condo unit owners suffer damage from one of two scenarios: (1) the damage was caused by a neighboring unit owner; or (2) the damage is caused by the association’s failure to maintain the common elements (such as the roof or the exterior building envelope) of the association.

In the case of damage by another unit owner, it must be determined whether the offending unit owner was negligent in causing the damage. In situations where the damage occurred from a situation which wasn’t foreseeable, such as where the neighboring unit owner didn’t know, couldn’t have, or shouldn’t have known that the situation was likely to occur, then that unit owner is not likely to be held responsible for the damage. An example of this would be a toilet overflow, which was otherwise in good mechanical condition. However, even in this scenario, the association is still responsible for maintaining and repairing the common elements including the damaged drywall contained in the ceiling and walls. You as the unit owner would be responsible for the remaining damage to your unit which your condo unit insurance policy should cover. It is for these types of situations why it is very important for condo unit owners to always maintain their own insurance policy, separate and in addition to the condo’s insurance coverage.

If you have suffered damage to your condominium unit which was the direct result of the association’s failure to maintain the common elements such as the roof, common element water pipes, the exterior building walls or failure to weatherproof the exterior of the condominium, then you may be able to require that the association repair the condition that caused the damage and pay damages to reimburse you from all resulting damage to your individual unit and the contents contained in that unit if the damage was the result of the association’s failure to maintain the common elements.

Free Consultation

If you are a condominium unit owner who has recently suffered water or mold damage, please contact us for a free consultation regarding your rights and responsibilities. We handle condominium disputes on contingency which means we do not collect a fee unless we recover money for you. In some cases, the association may be responsible to pay your attorneys’ fees under Chapter 718 of the Florida Statutes.

Of course, with every situation, there may be exceptions and differing facts which require the analysis of a mold attorney. The Mold Lawyers at Militzok & Associates offer a FREE consultation to discuss the unique facts of yourmold claim with our experienced attorneys. For more information, call us at (954) 241-2260, send an e-mail to info@themold.lawyer.

Militzok & Associates are toxic blackmold attorneys who are proud to represent individuals and families throughout the State of Florida who are suffering injuries from mold exposure, musty smells and other types of indoor air quality issues. We represent clients in the following citiesof Fort Lauderdale, Pompano Beach, Coral Springs, Davie, Plantation, Weston, Miramar, Sunrise, Coconut Creek, Dania Beach, Lauderhill, Margate, Parkland, Deerfield Beach, Oakland Park, Hallandale, Pembroke Park, Pembroke Pines, Hollywood, Cooper City, Tamarac, Wilton Manors, Lauderdale Lakes, North Lauderdale, Lighthouse Point, Southwest Ranches, Hillsboro Beach, West Park and Pembroke Park.

We also represent clients in Miami-Dade county in the following cities: Miami, Miami Beach, Hialeah, Homestead, Coral Gables, Doral, North Miami, Aventura, North Miami Beach, Aventura, North Miami Beach, South Miami, Miami Gardens, Key Biscayne, Sunny Isles Beach, Pinecrest, Miami Lakes, Opa Locka, Cutler Bay, Sweetwater, Palmetto Bay, Miami Springs, Miami Shores, Florida City, Surfside, Bay Harbor Islands, North Bay Village.

In Palm Beach County, we represent clients from South Bay, Golf, Manalapan, Briny Breezes, Greenacres, Magonia Park, Hypoluxo, Highland Beach, Lark Clarke Shores, Belle Glade, Pahokee, Glen Ridge, Tequesta, Atlantis, Loxahatchee Groves, Palm Beach Shores, Haverhill, Gulf Stream, South Palm Beach, Cloud Lake, Juno Beach, Palm Springs, North Palm Beach, Wellington, Lake Park, Lantana, Palm Beach Gardens, Jupiter, Riviera Beach, Boynton Beach, Jupiter Inlet, Ocean Ridge, Palm Beach, Royal Palm Beach, Boca Raton, West Palm Beach, Lake Worth, and Delray Beach.

We are now accepting cases throughout the State of Florida in cities such as Tampa / St. Petersburg, Clearwater, Orlando, and Naples / Ft. Myers areas.

When Is The Condo Association Responsible for Water Damage and Mold? (2024)

FAQs

When Is The Condo Association Responsible for Water Damage and Mold? ›

If the issue is addressed, the governing documents will usually specify that any interior damage due to water is the responsibility of the homeowner. Alternatively, any water damage affecting the exterior of the home, such as shingles or paint, is the responsibility of the HOA.

Who is responsible for mold in Florida condo? ›

Negligence is an Issue Too

It is generally the homeowners association's responsibility to maintain the common areas, but insufficient or a total lack of maintenance can lead to mold growth. In such a case, the HOA has been negligent and may be liable for the damages and repairs.

Who is responsible for damage caused by a leak? ›

If a flood or leak from a neighbouring flat causes damage in your home, then your landlord is likely to be responsible for repairing it. For example, if the water causes a ceiling in your home to collapse or plasterwork is damaged.

Who is responsible for water damage in a condo in California? ›

According to the National Association of Insurance Commissioners (NAIC), condo owners are responsible for insuring their own unit. That means if a water leak causes damage to an individual condo, it's typically the responsibility of the condo owner, not the Homeowners Association (HOA).

Who will pay for the water damage in my Florida condo? ›

Responsibility for repair lies with the owner of the damaged unit, unless the condominium documents impose that obligation upon the association.

Is Hoa responsible for water damage in Florida? ›

If there is a plumbing issue with the pipes within your condo unit, you may be liable for maintenance and any repairs needed. However, if there is an issue with the condo's complex as a whole, rather than just one single unit, the HOA's condo master policy may cover the repair costs.

What is the mold law in Florida? ›

Under Florida law, landlords are obligated to maintain their rental properties in a habitable condition, which includes ensuring that they are free from mold and other harmful substances. Tenants, on the other hand, have the responsibility to promptly report any mold issues to their landlords.

Who pays for water leak repair? ›

Homeowners. If you own your home, you're responsible for all the pipes within the property boundary which join up with the stopco*ck for the mains pipe. If you have a leak in your pipes, you have to fix it.

Can I claim compensation for a water leak? ›

Of course it is also very uncomfortable to live with the results of a water leak and this can lead to stress and anxiety, particularly if the problem has been reported and not dealt with after a certain period of time. You can claim for housing disrepair compensation if any of these problems apply to you.

Is a water leak considered structural damage? ›

Your home, or any building, may have structural damage if the roof or any load-bearing walls have been compromised. The damage may have come from a water leak, an intense storm with high winds, flooding or other natural disasters.

What to do when a condo ceiling is leaking? ›

As soon as you notice a leak, contact your association. Then take photos of the water damage, including any property it might have damaged, and move your belongings away from the affected area. You can provide these photos to your insurance company when you make a claim.

Can I sue my upstairs neighbor for water damage California? ›

If your property is damaged because of the negligence of your neighbor, you may be able to collect compensation for the damages. You can also consult with a real estate attorney and get a court order that directs your neighbor to stop doing whatever is causing the water damage to your property.

Is the HOA responsible for water drainage in California? ›

Obstructed Basins

HOAs should regularly inspect these basins and ensure they are free from trash, leaves, or any other debris that may block water flow. The HOA's responsibility for water drainage suggests they should implement a proactive maintenance plan to regularly clear basins of debris.

What is the condo association responsible for in Florida? ›

Fla. Stat. § 718.111(11)(f) states that the association is responsible for ensuring the buildings in the community including all windows and sliding glass doors, common areas, and anything for which the unit owner is not responsible under the law.

How does insurance work for water damage? ›

Typically, if the water damage is sudden and accidental, it would be covered. This includes situations like a sudden pipe burst or an appliance overflow. Rain-related water damage might also be covered.

Can I sue my upstairs neighbor for water damage in Florida? ›

The short answer here is YES, often Florida Public Adjusters find themselves at a claim where the apartment owner claims water damage and blames their fellow neighbor to be the cause. Not until a plumber is called onto the scene can this be fully determined true.

Does Florida homeowners insurance cover mold? ›

The cause of the mold is the answer to when and how it will be covered by your Florida home insurance. Generally speaking, sudden, accidental damage is typically covered, while regular maintenance issues (or failure to maintain or make timely repairs) are not.

Can you sue for mold exposure in Florida? ›

Yes, you can sue your landlord if they fail to address mold under reasonable circ*mstances, leading to health problems or property damage. However, first, you must be able to prove that your injuries, health issues, or property damage were directly caused by mold.

What is the responsibility of a condominium unit owner in Florida? ›

To maintain, repair or replace any common elements; b. To prevent damage to the common elements or other units; or c. To maintain the unit as required by the declaration of condominium.

What if my apartment has mold and they won t fix it Florida? ›

“Under Florida statutes, landlords are required to comply with local building, safety and health codes, and so if the mold on its own is not causing a violation of the building or health or safety code, then the landlord is not required to correct it.” This may surprise a lot of tenants.

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