Condo Water Damage
Water damage in a condo or HOA community involves multiple insurers, liability questions, and coverage gaps that don't exist in single-family homes. This hub covers what you need to know.
In this hub
Upstairs Neighbor Liability
Who pays when a neighbor floods your unit
Read moreHO-6 vs Master Policy
Which insurance covers what — and the gaps
Read moreHOA Claim Process
Step-by-step filing when HOA is involved
Read moreHOA Responsibility Guide
Full legal breakdown by state
Read moreUpstairs Neighbor Emergency
First steps when water comes through ceiling
Read moreRenters in Condos
If you rent your condo unit
Read morePublic Adjuster Guide
When to hire one for complex HOA claims
Read moreInsurance Claims Hub
All insurer guides and claim tips
Read moreFrequently Asked Questions
Who pays for water damage in a condo when an upstairs neighbor causes it?
If the neighbor was negligent (left water running, ignored a known leak), their HO-6 liability coverage pays for your damages.
For sudden unforeseeable pipe failures in shared building infrastructure, the HOA master policy covers structural damage and subrogation handles the rest. Always file with your own insurer first.
Does my HO-6 condo insurance cover water damage from another unit?
YesYour HO-6 covers your personal property and interior improvements regardless of source.
File with your own insurer first; they will pay covered losses and pursue subrogation against the responsible party's insurer on your behalf.
Who do I call right now for water damage?
Call (888) 840-6512. The line is answered 24 hours a day, seven days a week, and connects you with an IICRC-certified water damage restoration company that serves your area. A recorded menu picks up first: choose water damage or mold, key in your 5-digit ZIP code, and hold through the short silence while the call is passed to the company.
Describe what you can see — where the water is coming from, how long it has been there, and whether it smells — the more specific you are, the faster the right company is on the line. If the source is a pipe or an appliance, shut the main water valve first. Have four things ready and the call goes quickly: the address, when the water started, what is wet now, and whether you have filed an insurance claim.
Still not sure which of these is your situation? (888) 840-6512 · toll-free · answered 24/7