Cohousing-L Mailing List: Re: Financial reponsiblity for water leaks

[Ann Zabaldo (zabaldo]

Hi David and all --

Boy -- this is one of those not easy things.  Mostly it depends on what your 
by-laws say. 

I had a leak under my kitchen sink.  Some days later we found out that water 
leaked down to the CH DR ceiling that is underneath my home.  I filed an 
insurance claim to pay for the damage to the CH.  The insurance company 
declined to pay because:

1.  I shut off the water immediately
2.  Called a plumber right away to respond to the problem in my house even tho' 
it was after midnight thereby fulfilling my responsibilities as a homeowner for 
the event.
3.  In our by-laws the interior walls and the CH DR were common property are 
the responsibility of the community not the responsibility of the homeowner.

I filed twice and twice the insurance company refused to pay citing the by-laws.

Best --

Ann Zabaldo
Takoma Village Cohousing
Washington, DC
Principal, Cohousing Collaborative, LLC
Falls Church VA
703-688-2646

On Jan 25, 2014, at 10:31 AM, David Entin wrote:

> 
> We are wondering how cohousing communities deal with the financial
> responsibility (between homeowner pays or community pays or both) 
> 
> 
> 
> for water leaking through foundations caused
> 
> *     damage to flooring and structures
> *     mold 
> 
> we have a couple of requests for reimbursement for water damage floor and
> structure replacement and tearing out wallboard and studs on which there was
> mold.
> 
> 
> 
> Any thoughts on how other communities have dealt with this problem would be
> helpful.   Thanks.
> 
> David Entin, Rocky Hill Cohousing 
> 
> 
> 
> 
> 
> 
> 
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