What Is an HOAs's Responsibility for Storm Damage?

The core principle is the division between common elements and individual units. Common areas are shared spaces like hallways, lobbies, exterior walls, and the roof structure. Your unit includes the interior walls, flooring, ceilings, and all personal belongings. The HOA's master insurance policy typically covers damage to common areas, while your own homeowner's policy covers your unit's interior and possessions. This split can vary, so the governing documents are the final authority.

First, ensure safety and stop further damage if possible. Document all damage with photos and videos, covering both common areas and your unit. Notify your HOA management in writing as required by your rules. Simultaneously, contact your own insurance company to start a claim. Policies vary, and your insurer decides what is covered. Acting quickly helps prevent secondary issues like mold, which can complicate responsibility and repairs later on.

• Take clear photos and video of all water intrusion points.
• Move valuable items to a dry area if safe to do so.
• Write a dated notice to your HOA board or property manager.
• Contact your homeowner's insurance agent to report the loss.
• Keep records of all communications with the HOA and insurers.
• Consider temporary repairs like tarping a roof leak, but keep receipts.

Disagreements over responsibility are common after storm damage. Start by reviewing the governing documents together with the board. If the issue persists, mediation can be a cost-effective next step. For major disputes, consult a real estate attorney familiar with HOA law. Keep all your documentation organized, as it will be crucial for any formal dispute resolution process. This includes your photos, written notices, insurance correspondence, and records of all conversations with the HOA.