<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=1061566567187268&amp;ev=PageView&amp;noscript=1">
Skip to content

Should I have to pay HO6 insurance deductible for water damage?


My neighbor (town-house community) had a slow leak from pipes in an adjoining wall. The water came through to my unit causing damage to the wall (water marks) and a wet, moldy carpet padding. The master insurance policy is covering the repair to her unit and to mine but apparently are expecting both of us to pay a deductible. Am I wrong in believing that I should not be responsible for payment of a deductible since it was not my leak that caused my damage? The water break from the unit next door leaked through my walls to my unit causing a replacement of flooring as well as water remediation services. I am now being charged with a portion of the master policy deductible. My HO6 deductible is over what the HOA master policy is saying I have to pay. Can I file in small claims court to the originating unit owner to recoup the money the HOA is charging me for part of the master policy deductible?  South Carolina

Answers (6)

What are your thoughts on this topic? Please share your answers below. We ask that you remain respectful of each other, and be advised that responses are monitored.