---
title: Should I have to pay HO6 insurance deductible for water damage?
description: 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?
image: https://www.condoassociation.com/hubfs/Stock%20images/Electrical%20outlet%20reflected%20in%20floodwater%20in%20office.jpeg
---

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

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

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## What do you think? Question:

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

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## What do you think? Answers (6)

#### 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. *  
  

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