Water Damage in Condos and Multi-Unit Buildings: Who’s Responsible?

Living in a condominium is a popular option for housing in Kauai, in part because it requires less individual maintenance from the owner, since many areas of the building are handled by the association. The HOA may cover landscaping, repairs to shared facilities, roofs, fences, and other common areas. The association is also responsible for acquiring insurance coverage for the property, which covers flood and storm damage.

Generally, you are responsible for the contents and interior of your unit, while the HOA covers the structure and shared systems. But exact responsibilities vary by building and insurance policy. If a fixture of your condo breaks, that falls under your jurisdiction. If a pipe is leaking from your sink, that is likely yours to address as well as any damage that may result from the leak.

The tricky part: in condos or multi-unit buildings, water damage often doesn’t just affect one home. An unaddressed leak can impact neighbors and shared infrastructure, crossing lines of responsibility. Whether it’s a burst pipe from upstairs or an overflowing appliance, liability can be complicated.

Because we understand the nuances of working with insurance companies and property managers, we coordinate our repair efforts to comply with all guidelines. We will collaborate with the insurance provider to streamline the restoration process, documenting each step for your records. If you own a condo or apartment in Kauai in need of repair, let us take some stress off your plate by doing our job well.