I live in a condo; who pays if a hurricane breaks my window? The announcement that this hurricane season will be particularly active has many condo owners in Florida on edge. Hurricanes are notoriously harsh on high-rise buildings, especially those near the coast.
Some owners wonder who pays for repairs if the strong winds of a hurricane break a window in their apartment.
Rest assured, the condo’s insurance comprehensively covers damage caused by insurable events like hurricanes. If the force of the wind shatters your unit’s window, the Association is fully responsible for repairing or replacing it.
However, it’s crucial to understand that if the window is damaged due to the owner’s negligence—such as failing to install storm shutters or leaving the window open when a hurricane was imminent—and rainwater enters, causing a leak in the downstairs neighbor’s ceiling, the repair costs will be the responsibility of the negligent owner. The Association may handle the repair but will charge the owner through a special assessment, lien, or payment.
In short, while condo insurance exists, each owner is responsible for taking preventive measures to minimize hurricane damage to their property. This includes appropriately securing windows, installing storm shutters, and removing potted plants and furniture from balconies to prevent them from becoming projectiles in the storm’s winds. I live in a condo; who pays if a hurricane breaks my window?
Call us today for a comprehensive assessment! (305) 267-7138. You can also get a free quote here.
