Plumbing issues can lead to significant repairs in Tallahassee, FL condos. Such problems range from clogged pipes to leaky washing machines. In addition to fixing the plumbing, fixture, or appliance, you might need to repair the resulting water damage. The good news is that condo insurance will cover plumbing-related services under the right circumstances.
What It Covers
A condominium policy often provides coverage of repairs and water damage if the plumbing inside of your unit fails suddenly and unexpectedly. On the other hand, it probably won’t cover problems that result from a lack of maintenance, such as a small leak that gradually becomes worse over time. Sewer backup coverage is typically optional.
Common Areas
Plumbing shared by multiple units is usually the condo association’s responsibility. Associations normally have insurance that covers shared equipment, known as a "master policy". If plumbing in a common area fails and causes harm to your unit, the issue becomes a little more complicated. This water damage may be covered by your condo insurance or the association’s master policy. Review the master policy for more details.
Neighboring Units
Another possibility is that plumbing inside a neighbor’s condo could leak and damage your unit. In this situation, either your insurance company or your neighbor’s insurer might cover the repairs. This potential problem highlights the importance of carrying insurance when you live in a condominium, even if your condo doesn’t contain any expensive items.
If you’d like to protect your plumbing with a dependable condo policy, talk to the experts at Fuqua Insurance Agency in Tallahassee, FL. We have decades of experience and offer coverage from a variety of reputable insurers. To get started, please contact Fuqua Insurance Agency by calling 850-386-2300 today.
