---
title: Does HOA owner need to pay master insurance policy deductible?
description: Does HOA unit owner need to pay master insurance policy deductible for common area damage?
---

[Condo Q&A ](https://www.condoassociation.com/blog)

# [Does HOA owner need to pay master insurance policy deductible?](https://www.condoassociation.com/blog/tabid/19257/bid/69637/Does-HOA-owner-need-to-pay-master-insurance-policy-deductible.aspx)

 Written by [stephen polinsky](https://www.condoassociation.com/blog/author/stephen-polinsky) | Sat, Oct 15, 2011 @ 12:46 PM

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?

[View full post](https://www.condoassociation.com/blog/tabid/19257/bid/69637/Does-HOA-owner-need-to-pay-master-insurance-policy-deductible.aspx)

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