Mold in a Condo: Tenant, Owner, or HOA Responsibility?

The first step is to find the source of moisture. If the mold comes from a leak in your unit's plumbing, the owner usually handles it. If the leak is in a shared wall or roof, the HOA may be responsible. Your lease or HOA bylaws should state who handles what.

Tenants often handle mold caused by poor ventilation or excess humidity in their living space. Owners fix issues within the unit, like a failing water heater. The HOA typically covers common areas like hallways and exterior walls. When in doubt, ask your landlord or HOA board in writing.

• Check your lease for mold clauses
• Review HOA rules for common areas
• Document the mold with photos
• Notify the responsible party in writing
• Keep records of all communication
• Act quickly to prevent further damage

Owners are generally responsible for keeping the unit in good repair, including fixing leaks and replacing water-damaged materials. If a pipe bursts or a roof leaks, the owner arranges for the repair and cleanup. The pros may use structural drying and dehumidification to dry out walls and floors.

Owners should also address mold in common areas if the HOA does not. In some cases, the owner and HOA share responsibility, depending on where the leak starts. Document everything and keep receipts. Your insurance policy might help, but policies vary, and your insurer decides what is covered.

Start by identifying the source of moisture. Turn off the water if a pipe is leaking, and move belongings away from the affected area. Take photos and notes for your records. Then, notify the responsible party in writing, whether that is your landlord, the HOA, or your own insurance company.

If the mold covers a large area or comes from sewage or floodwater, leave the cleanup to the pros. They have the right equipment to remove water, dry structures, and prevent mold from returning. In humid climates, mold can grow quickly, so act fast to protect your health and your home.