When water moves between units or comes from a common area, who pays and who repairs depends on the association's declaration, bylaws, and the insurance policies involved.
First steps
- Stop the water if it is inside your unit, and alert neighbors if water may reach them.
- Notify the HOA or management company in writing, with photos.
- Call your insurer; condo owners often have an HO-6 policy that covers interior finishes.
- Ask the HOA whether its master policy or vendor will handle any part of the repair.
Questions to ask your HOA
- Is the source a common-area pipe or roof, or part of my unit?
- Which parts does the association insure?
- Does the association require specific contractors or approvals?
- How are costs shared between units?
This is general information, not legal advice. For disputes, talk with a Texas attorney.
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Common questions
Who pays when water comes from the unit above?
It depends on the governing documents, the cause, and the policies involved. Ask your HOA and insurer.
Can I hire my own contractor?
Often, for areas you are responsible for. Check your HOA rules first.
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