condo insurance coverage for water damage

Condo water damage insurance is governed by two policies — your HO-6 unit policy and the building’s master policy — and the gap between them is where claims get complicated. Your HO-6 covers sudden, accidental damage inside your unit. The master policy covers the building structure. Understanding which applies, and what happens when damage originates in a neighbor’s unit, is critical before you file. This LA guide covers condo water damage coverage, neighbor liability, and how to document your claim. Call (818) 336-1800.