---
title: Owner sues condo association for winter damage.  Can master insurance pay?
description: As a new board member I have a question about insurance and who is responsible. We have a unit owner who is suing the Assoc. for 15,000 for ice dam issues this winter. Our master policy has a 10,000 deductible and the unit owner is refusing to accept the difference and wants us to paid the full $15,000.
---

[Skip to content](https://www.condoassociation.com/blog/owner-sues-condo-association-for-winter-damage.-can-master-insurance-pay#main-content)

# Owner sues condo association for winter damage. Can master insurance pay?

| [Condo Association Insurance](https://www.condoassociation.com/blog/topic/condo-association-insurance) |   [Massachusetts](https://www.condoassociation.com/blog/topic/massachusetts) |  

<https://www.facebook.com/sharer/sharer.php?u=https://www.condoassociation.com/blog/owner-sues-condo-association-for-winter-damage.-can-master-insurance-pay>

<https://twitter.com/intent/tweet?url=&text=https://www.condoassociation.com/blog/owner-sues-condo-association-for-winter-damage.-can-master-insurance-pay>

<https://pinterest.com/pin/create/button/?url=https://www.condoassociation.com/blog/owner-sues-condo-association-for-winter-damage.-can-master-insurance-pay>

<https://www.linkedin.com/shareArticle?mini=true&url=https://www.condoassociation.com/blog/owner-sues-condo-association-for-winter-damage.-can-master-insurance-pay>

## What do you think? Question:

As a new board member I have a question about insurance and who is responsible. We have a unit owner who is suing the Association for $15,000 for ice dam issues this winter. Our master policy has a $10,000 deductible and the unit owner is refusing to accept the difference and wants us to paid the full $15,000. Are we responsible to pay the whole thing as she claims it was due to gutters/ roof which are common elements. She owned the unit but rented it and states her insurance company rejected her claim because she wasn't insured for ice damage cover. She has claimed damage to every room and has just replaces every window in the unit. There are several unit owners who had similar issues but covered the damage under their home owner policies (walls in) and my understanding is that we paid anything over the deductible. If we paid this owner the full amount are we opening ourselves up to suits. There are 120 units, townhouse style in buildings of four and I just think we would be liable for a tremendous amount. Thanks for any help. Massachusetts.

<https://www.facebook.com/sharer/sharer.php?u=https://www.condoassociation.com/blog/owner-sues-condo-association-for-winter-damage.-can-master-insurance-pay>

<https://twitter.com/intent/tweet?url=&text=https://www.condoassociation.com/blog/owner-sues-condo-association-for-winter-damage.-can-master-insurance-pay>

<https://pinterest.com/pin/create/button/?url=https://www.condoassociation.com/blog/owner-sues-condo-association-for-winter-damage.-can-master-insurance-pay>

<https://www.linkedin.com/shareArticle?mini=true&url=https://www.condoassociation.com/blog/owner-sues-condo-association-for-winter-damage.-can-master-insurance-pay>

## What do you think? Answers (13)

#### What are your thoughts on this topic?

***Comments and postings are not legal advice**, but are the opinions of our readers. This forum and its contents are being monitored. Please be respectful of each other. *  
  

## Related Posts

### [How do condo associations effectively collect past due fees from owners?](https://www.condoassociation.com/blog/how-do-condo-associations-effectively-collect-past-due-fees-from-owners)

### [Who pays for the assessment on a bank-owned condo unit?](https://www.condoassociation.com/blog/tabid/19257/bid/18044/Who-pays-for-the-assessment-on-a-bank-owned-condo-unit.aspx)

### [How much will assessment truly cost?](https://www.condoassociation.com/blog/how-much-will-assessment-truly-cost)

```json
{
  "@context" : "https://schema.org",
  "@type" : "BlogPosting",
  "dateModified" : "2024-10-01",
  "datePublished" : "2024-10-01",
  "headline" : "Owner sues condo association for winter damage. Can master insurance pay?",
  "image" : [ "" ],
  "mainEntityOfPage" : {
    "@id" : "https://www.condoassociation.com/blog/owner-sues-condo-association-for-winter-damage.-can-master-insurance-pay",
    "@type" : "WebPage"
  }
}
```