Q: I need to find out if I am covered on my insurance for the sprinklers in my condo I have insurance
I was told anything inside the unit os the condo responsibility. Insurance company is not reliable. Can you help me I have little money want want to be insured. I live in the bluffs marina.sprinklers and pipes are breaking. Thank you
A: A condo lawyer would have to read the Declaration of Condominium and Bylaws for your association to give a proper answer. Generally, anything from the bare sheetrock out is the condominium's responsibility and anything from the sheetrock in, including paint, floor coverings and other finishes, is the unit owner's responsibility. Generally, anything servicing just one unit is the owners responsibility, while pipes, electrical and such that service more than one unit are the association's responsibility. My educated guess, based on my experience, is the association is liable for pipes up to the point the pipes going to your unit are connected to them and you are responsible for the pipes from that point and the sprinkler heads. It could be different for your association though and a lot is riding on what causes the failure when there is one. The insurance company's job is to pay you as little as possible. There's no way of providing you an answer without reading the documents and that's likely not something you would get a condo lawyer to do on a contingency (pay only if you win). You would need to call around to see if a lawyer is willing to take your case but I don't recommend retaining one that doesn't have condo experience.
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