What happens if my condo floods due to maintenance in the building? Does my insurance cover the damages, or the buildings?
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If my condo floods due to maintenance in the building, does the building’s insurance cover the damages?
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The vast majority of condo insurance policies do not cover flood, they will only cover sewer back up, which is slightly different. If the maintenance problem caused a sewer back up then your policy would cover you and your insurance company could subrogate against (sue) the landlord for negligence.
More likely, if this is a maintenance issue surrounding plumbing in general and it caused flooding, then your policy would not normally cover you but you could sue your landlord for the damage, and the liability coverage under their insurance policy would respond.
Either way, your landlord’s insurance will likely get involved because they are liable for maintenance and the problems that arise if they are negligent. Hopefully none of this is necessary and the landlord simply pays for the damage out of pocket.
Sean Graham, Principal Broker at KTX Insurance Brokers.
Neither Kanetix® nor the KanetixForum.ca is an insurance broker or agent. Although this information has been passed along to you from KTX Insurance Brokers through the Forum, we are not responsible for the opinions expressed by them. Insurance can be complicated. When reading these answers, keep in mind each person’s situation is unique. Individual responses may vary depending on your insurer, geographic location, and specific circumstances. If you have a similar situation, always speak with your insurance provider, or a licensed insurance representative, for terms and conditions that may apply to you.