What Are HOA Responsibilities After Storm Damage to Property?

Your homeowner's association operates under a set of governing documents, which include the declaration of covenants, conditions, and restrictions (CC&Rs), bylaws, and rules. These documents explicitly outline what the association owns and maintains versus what you, as the homeowner, are responsible for. After a storm, you must refer to these documents to determine who handles repairs for specific parts of the property. This clarity prevents disputes and delays in the recovery process.

You are typically responsible for all damage inside the boundaries of your unit, known as

This includes drywall, flooring, interior doors, cabinets, and all personal property. You must file a claim with your own homeowner's or condo owner's insurance policy for this damage. It is also your duty to take immediate steps to prevent further damage, like placing a tarp over a broken window or moving belongings away from a leak. Documenting all damage thoroughly with photos and notes is crucial for your insurance claim.

First, ensure everyone's safety and report any urgent hazards to the HOA management or board immediately. Then, carefully document all damage, both inside your unit and in visible common areas, with photographs and written descriptions. Notify your HOA in writing about the damage, referencing the specific governing documents. Simultaneously, contact your own insurance company to start your personal claim process for interior damage.

Next, cooperate with any inspections arranged by the HOA's insurer or the local water damage pros they hire. Protect your property from further damage by making temporary, reasonable repairs, like using tarps or buckets, and keep receipts for these costs. Maintain open communication with the HOA board to understand the repair timeline and avoid undertaking any permanent repairs to common elements yourself, as this could complicate the HOA's insurance claim.