If so, under Florida law the condominium association is responsible “for all portions of the condominium property as originally installed or replacement of like kind and quality.” The condominium association is not responsible to insure items such as personal property of the unit owners, floor, wall and ceiling coverings, electrical fixtures, appliances, water heaters, water filters, built-in cabinets and countertops, and window treatments.”
Background on the law. In 2008, the Legislature passed a law that states that all portions of the condominium property as originally installed or replacement of like kind and quality must be insured and maintained by the condo.
Trap drain and piping inside the drywall land is part of the original condominium property as originally installed and is not on the list of items that are excluded from the association’s insurance responsibility. Therefore, if the unit below is damaged by the leaky drainpipe and trap, then it is an “insurable event” for the condominium. Remember the condo association installed the piping and traps, and they insures the piping and dry wall, and are responsible to repair the leaks and damage arising out of the piping.
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