The Association, through it's insurance, is responsible for repairs to the interior of units due to water damage -- no matter what the source of that water. However, payment of the Association's insurance deductible for Water/Ice damage (currently $10,000/unit) is the responsibility of the owner(s) of the unit(s) suffering the damage. Owner's homeowner/condominium (HO-6) insurance policies will cover the deductible. The rules are as follows:
1. If the damage is less than or equal to $10,000 (the Association's insurance deductible), the owner is financially responsible for all repairs. Normally, the owner pays their HO-6 deductible and their insurance covers the rest. However, If they don't have insurance, then they pay for all repairs out-of-pocket.
2. If the damage is greater than $10,000, then the owner (and their insurance) is responsible for the first $10,000 and the Association's insurance is responsible for the balance.
Remember, water damage repair coverage is essentially "no fault." It doesn't matter where the water came from; the owner(s) of the unit(s) suffering the damage is responsible for paying the Association's insurance deductible for damage repairs.
Note: The deductible for insurable events other than Water/Ice is $5,000 per incident(see below).
Note: If the source of the water is classified as a "flood", then the deductible is $25,000.
Grills and Barbeques must not be operated within fifteen feet of units. Damage to Association buildings or fences will be the financial responsibility of the unit owner. In addition, if the City of Dover gets involved, the unit owner is subject to cost reimbursement fees and/or fines.
Dover Fire Department Letter -- May 2011