One of the more confusing issues affecting condominium owners and residents is what to do when water intrusion causes damage to a condominium unit. Of course, the causes of water intrusion are numerous, including but not limited to, damage to the exterior of the building (roof or siding), and failure of certain internal systems (hot water heater, air conditioner, leaky pipes). It is recommended that the first action to take upon discovering water intrusion in a condominium unit is to contact the association’s property manager and report it. It is important to have an expert determine the source of the water. As a general rule (you will have to review your own association’s governing documents to be sure) the Association is responsible to maintain, repair and/or replace the common elements (including the roof and siding), whereas the unit owner is responsible to maintain, repair and/or replace the unit (from the interior surfaces of the walls inward) and its appurtenances (such as the appliances and operating systems that service only that unit). So, if there is a hole in the roof that allows water to infiltrate into the unit, the Association will be responsible to fix the hole and to repair or replace any part of the building that is not considered part of the unit. The unit owner is generally responsible to repair or replace any part of the interior of the unit that is damaged, which is why it is important for every unit owner to pay for and maintain homeowners insurance (HO6 for condominium owners) to cover any damage to the inside of the unit. There is an exception to this: many condominium associations are required by their governing documents to carry blanket insurance coverage on the buildings and the units which will be available to the unit owners, in certain circumstances, even for damage to the interior of their units in excess of the applicable deductible. It is best to discuss these issues with your association’s property manager immediately upon discovering water intrusion and damage in your unit.