burst pipe - does master insurance pay for damage to my unit?

Started by DB6 • 4 replies • 1567 views

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DB6 (District of Columbia)
Posts: 1

Posted:

A pipe burst in the walls of my condo building 2 floors above me and damaged my bathroom. The condo board master insurance states it covers all damage outside our walls. Does anyone know if the condo master insurance should pay for the repair to my unit?

Thank you,
Ariane (email: [email protected])

TimB4 (Tennessee)
Posts: 21,062

Posted:

DB,

You should file a claim with your insurance company for the damage to your unit. Your insurance company should repair your unit and then they will deal with other insurance companies.

Depending on what caused the break (i.e. if there was some form of negligence vs. just an accident) you may be able to recoup your insurance deductible. Your insurance company can actually help you with determining who is actually responsible.

Hope this helps,

Tim

JohnC46 (South Carolina)
Posts: 14,265

Posted:

Quote:

Posted By TimB4 on 10/16/2013 5:05 PM
DB,

You should file a claim with your insurance company for the damage to your unit. Your insurance company should repair your unit and then they will deal with other insurance companies.

Depending on what caused the break (i.e. if there was some form of negligence vs. just an accident) you may be able to recoup your insurance deductible. Your insurance company can actually help you with determining who is actually responsible.

Hope this helps,

Tim

I agree. Let the insurance companies duke it out.

SteveM9 (Massachusetts)
Posts: 3,699

Posted:

Typically no. The condo insurance will take care of the inside walls and the pipes. Your insurance will take care of your damage. Was it your fault? No. But that's how insurance works.

SteveM9 (Massachusetts)
Posts: 3,699

Posted:

Note: If you make an insurance claim on your own insurance, or the other guys insurance, it will still show up in the CLUE report that all insurance companies share. It lists all your claims, which can affect your rates. Yeah, I know it sucks, but thats how the insurance industry works.

The only way to prevent a claim on record is to fix it yourself and not file one. So its its $100 worth of damage, I'd just fix it myself and not tell anyone. Not worth the claim.

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