Jupiter, FL asked in Real Estate Law for Florida

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

Related Topics:
1 Lawyer Answer

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.

Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.

The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.

Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.