I used to be a claims adjuster in another state. If a person has a pipe leak and only tries to Band-Aid the problem instead of fixing it could that not be an issue? And then if they allow their pipe to leak for months on end because they don't want to fix it could that not also be an issue? How does Florida handle that. Because when I was a property insurance claims adjuster condo owners still had to make reasonable repairs to stop further damage to other units and do it in a timely manner.
This has happened to me 3 times in California. The last time, 4/23, the new upstairs owner waived the inspection on purchase to speed the sale and later found out the 30 year old water heater should have been replaced. I'm out over 10K for replacement costs, move out & move back in cost as well as Hotel costs for a month. Bottom line, don't live under anyone. Can I sue the new owner for my loss? When I asked Her to help, she laughed and said go ahead and Sue me, you'll lose.
Happen to me more than one time with one really crappy previous neighbor, who just does not know how to handle water at the very least if not quite malicious at the most.
Hi thanks for the video. our second floor condo toilet had a slow leak that was not detectable. it was fixed once we were told by downstairs neighbor but not before apparently 7k of damage was done. their homeowners insurance doesn't cover slow leaks. our insurance says it wasn't our fault because no negligence. so i believe the hoa ended up paying for the repair and now is giving us an assessment. isn't everything based on the ccandr and davis stirling act? how can they repair and assess us if there is no negligence and no clear language that requires us to reimburse? is this something you think it's worth it to hire an attorney to sort out?
Hi what if it’s a water damage and no one is taking liability? HOA and home insurance blaming one another. Do I start the water restoration asap??? (Is this considered a repair?)
That happens often. Check your bylaws for what the Association is responsible for. More than likely, drywall, ceilings , and anything in the walls, as well as subfloor is Association duty to repair. Floors, cabinets, paint, baseboards, your insurance would have to cover. Some of this depends what state you live in as well.
@@theclaimsquadpublicadjustersthe water leak was from upstairs. Now HOA is telling me that it’s not their fault. My home insurance is secondary. My neighbor is not responsible since it was a sudden pipe leak. I don’t know what to do now….
@@Saleeejdbidn I'm not saying it's the Association fault, it should be made clear in your bylaws that regardless of fault or what happened the association is usually responsible for those items I previously mentioned
@@Saleeejdbidn depends what the damages are...depends what your bylaws say. More than likely insurance will only cover cabinets, floors, carpets, paint etc...
I live in a condo in Massachusetts. The management company sent out an email that they will have technicians go to every unit and blow out" the air conditioning condensate lines to remove any debris. During this process water and debris has entered my bedroom through the a/c vent for 3-4days. Now my room carpet is messed up and due to excess water, there are cracks formed on the ceiling of my ground floor. Don’t you think the management is responsible for it?
1) Did it come from your AC unit or another condo's AC unit? 2) Who is responsible for the maintenance of the AC units? Sounds like management is? correct? 3) If management IS RESPONSIBLE for maintaining the AC unit then they have FAILED IN THEIR DUTY TO MAINTAIN THE AC UNITS on a regular basis which caused this event to take place because they neglected the problem for an extended period of time. In the above situation I write about, YES, they would be responsible. If it's any different please let me know.
Thank you for this informative video! My wife and I just experienced a water flood from an upstairs unit which is alleged to be intentional (the person was charged with a felony). How do I go about getting compensation from this person?
Hi Eddie That's terrible. Did he have insurance? If you had insurance I would suggest making a claim thru your own carrier and let them subrogate against this person. That road will be much easier than you going after the individual. If he facing a felony, he prob doesn't have a job or won't have a job, so it won't be easy to collect blood from a bloodless beet if you know what I mean. You could spend thousands of dollars going after him and get nothing back.
@@theclaimsquadpublicadjusters I'm not sure if he has insurance, but I have filed a claim with my insurance. I'm not sure if it'll be worth legal action, but that's something I'll look into as well. Thank you!
@@eddiejhong I used to do auto and condo and homeowner insurance claims. Chances are the insurance will not bother to subrogate the other party. You might want to ask your insurance company if they will waive your deductible however since the cause of loss was not from you.
I used to be a claims adjuster in another state. If a person has a pipe leak and only tries to Band-Aid the problem instead of fixing it could that not be an issue? And then if they allow their pipe to leak for months on end because they don't want to fix it could that not also be an issue? How does Florida handle that. Because when I was a property insurance claims adjuster condo owners still had to make reasonable repairs to stop further damage to other units and do it in a timely manner.
Yes In that situation they can be held negligent because they knew of the leak but didn't fix the leak 100%
This has happened to me 3 times in California. The last time, 4/23, the new upstairs owner waived the inspection on purchase to speed the sale and later found out the 30 year old water heater should have been replaced. I'm out over 10K for replacement costs, move out & move back in cost as well as Hotel costs for a month. Bottom line, don't live under anyone. Can I sue the new owner for my loss? When I asked Her to help, she laughed and said go ahead and Sue me, you'll lose.
You can try to sue her for "failure to maintain" the water heater. Talk to a local attorney who could advise you of your legal remedies if any.
Happen to me more than one time with one really crappy previous neighbor, who just does not know how to handle water at the very least if not quite malicious at the most.
Hi thanks for the video. our second floor condo toilet had a slow leak that was not detectable. it was fixed once we were told by downstairs neighbor but not before apparently 7k of damage was done. their homeowners insurance doesn't cover slow leaks. our insurance says it wasn't our fault because no negligence. so i believe the hoa ended up paying for the repair and now is giving us an assessment. isn't everything based on the ccandr and davis stirling act? how can they repair and assess us if there is no negligence and no clear language that requires us to reimburse? is this something you think it's worth it to hire an attorney to sort out?
I'm would definitely consult with a local attorney
Thank you for the video future public adjuster here.
Thank you. Best of Luck
Hi what if it’s a water damage and no one is taking liability? HOA and home insurance blaming one another.
Do I start the water restoration asap??? (Is this considered a repair?)
That happens often. Check your bylaws for what the Association is responsible for. More than likely, drywall, ceilings , and anything in the walls, as well as subfloor is Association duty to repair.
Floors, cabinets, paint, baseboards, your insurance would have to cover.
Some of this depends what state you live in as well.
@@theclaimsquadpublicadjustersthe water leak was from upstairs. Now HOA is telling me that it’s not their fault. My home insurance is secondary. My neighbor is not responsible since it was a sudden pipe leak. I don’t know what to do now….
@@Saleeejdbidn I'm not saying it's the Association fault, it should be made clear in your bylaws that regardless of fault or what happened the association is usually responsible for those items I previously mentioned
@@theclaimsquadpublicadjusters if HOA denies my claim, will my home insurance cover the costs?
@@Saleeejdbidn depends what the damages are...depends what your bylaws say. More than likely insurance will only cover cabinets, floors, carpets, paint etc...
I live in a condo in Massachusetts. The management company sent out an email that they will have technicians go to every unit and blow out" the air conditioning condensate lines to remove any debris. During this process water and debris has entered my bedroom through the a/c vent for 3-4days. Now my room carpet is messed up and due to excess water, there are cracks formed on the ceiling of my ground floor. Don’t you think the management is responsible for it?
1) Did it come from your AC unit or another condo's AC unit? 2) Who is responsible for the maintenance of the AC units? Sounds like management is? correct? 3) If management IS RESPONSIBLE for maintaining the AC unit then they have FAILED IN THEIR DUTY TO MAINTAIN THE AC UNITS on a regular basis which caused this event to take place because they neglected the problem for an extended period of time. In the above situation I write about, YES, they would be responsible. If it's any different please let me know.
Thank you for this informative video! My wife and I just experienced a water flood from an upstairs unit which is alleged to be intentional (the person was charged with a felony). How do I go about getting compensation from this person?
Hi Eddie
That's terrible. Did he have insurance? If you had insurance I would suggest making a claim thru your own carrier and let them subrogate against this person. That road will be much easier than you going after the individual. If he facing a felony, he prob doesn't have a job or won't have a job, so it won't be easy to collect blood from a bloodless beet if you know what I mean. You could spend thousands of dollars going after him and get nothing back.
@@theclaimsquadpublicadjusters I'm not sure if he has insurance, but I have filed a claim with my insurance. I'm not sure if it'll be worth legal action, but that's something I'll look into as well. Thank you!
@@eddiejhong I used to do auto and condo and homeowner insurance claims. Chances are the insurance will not bother to subrogate the other party. You might want to ask your insurance company if they will waive your deductible however since the cause of loss was not from you.
Sue the neighbor
You can’t unless there is intentional negligence or they knew of a problem but failed to take any action. Very difficult to prove.