Who Fixes What in a Condo: Master Policy vs. Unit Owner Policy

The master policy is the condo association's insurance. It usually covers the building's structure and common areas, such as roofs, exterior walls, hallways, and shared plumbing. If a pipe bursts in a wall that serves multiple units, the master policy may pay for the building repairs, but not for your personal belongings or interior finishes.

The exact coverage varies by association. Some master policies are "bare walls," covering only the original construction, while others are "all-in," covering fixtures like cabinets and countertops. Read your condo's declaration or ask your association for a copy of the master policy to see what is included. Your association can clarify what parts of your unit are considered common property.

Water damage often blurs the line between the master and unit owner policies. For example, a leak from a shared pipe inside a wall may be the association's responsibility for the pipe and drywall, but your policy covers your personal belongings and any interior finishes you installed. The pros who handle the restoration work will need to know which policy is responsible to bill correctly.

Coordination is key. Your insurance company will typically investigate the cause and determine coverage. You may need to file a claim with both your insurer and the association's insurer. Keep records of all communication and take photos of the damage. This helps avoid disputes about who pays for what.

• Take photos of the damage before any cleanup or repairs.
• Document the source of the leak, if you can do so safely.
• Review both policies to understand your deductibles and limits.
• Ask your association for a copy of the master policy declaration.
• Notify your insurance company promptly after the incident.

First, stop the water source if you can do so safely, such as turning off the main water valve. Then, document the damage thoroughly and contact your insurance company. They will guide you on the claims process and may send an adjuster to assess the damage. Meanwhile, take steps to prevent further harm, like moving furniture and placing buckets under leaks.

Winter pipe bursts are a common cause of water damage. Keep your heating on and know where your shutoff valve is located. After a loss, prioritize safety, avoid electrical hazards, and see a doctor if you feel unwell from mold exposure. Your insurance company decides what is covered, so check your policy.