Key points
- The HOA master policy usually covers common elements and often parts of the building structure.
- Your HO-6 policy usually covers your interior improvements, belongings, and loss of use.
- The CC&Rs and policies decide — wording varies a lot.
- General information, not insurance or legal advice — your policy and situation decide.
First steps
- Stop the water if you can, or notify the unit above.
- Notify the HOA or property manager right away.
- Photograph everything — see documenting water damage.
- Contact your own insurer.
- Start drying — delays make damage worse for everyone.
Common questions
- Water from the unit above? Responsibility often depends on the cause and your association’s rules.
- HOA deductible? Some HO-6 policies include loss assessment coverage — ask.
- Multiple units? Coordinated drying across units is usually fastest.
Vault works in multi-unit buildings and with property managers — see multi-family restoration. Vault documents the damage, records daily moisture readings, scopes in Xactimate, and bills State Farm, USAA, Allstate, Farmers, and Bear River Mutual directly.
Leak in your condo?
Call (385) 250-2825 — answered live 24/7 by the Vault crew.
Water damage services · Insurance claims · Upstairs neighbor leak