HOA Obligations After Storm Damage to Shared Property

Shared property includes areas and structures that all owners use, such as the building exterior, roof, hallways, parking lots, and common landscaping. Each HOA defines this differently in its declaration or bylaws. Read those documents to know exactly what is shared in your community.

Storm damage to shared property often means the HOA is responsible for repairs. However, damage to your unit's interior, like drywall or flooring, may be your own responsibility. The boundary between shared and private can vary, so check your rules and your insurance policy to clarify.

You are typically responsible for damage inside your unit, such as personal belongings, interior walls, and flooring. Storm damage to these areas may require you to file a claim with your own insurance. Document everything with photos and keep receipts for temporary repairs.

Also, you must report damage to the HOA promptly. Failure to notify the board could complicate the repair process. Keep records of all communication with the board and your insurance company. Your responsibility ends where shared property begins, so know the line.

First, ensure everyone is safe. Then document all damage with photos and videos, and make temporary repairs to prevent further water intrusion if you can do so safely. Notify your HOA board in writing immediately.

Next, review your HOA documents to confirm what is shared and what is your responsibility. Contact your insurance company to report damage to your unit. Keep copies of all correspondence and repair estimates. If the damage is extensive, consider a water damage inspection service to assess hidden issues.

• Take photos of all damage
• Notify the HOA board in writing
• Review your HOA documents
• Contact your insurance company
• Keep receipts for temporary repairs