Living in a condo means your home is closely connected to your neighbors’ homes. While this setup has its benefits, it can also create challenges, especially when nearby renovation work causes unexpected damage to your unit. If you’re dealing with cracks, leaks, or structural issues caused by construction next door, it’s important to know how to address the situation. Much of the resolution depends on your condo insurance with C & H Insurance Associates LLC, serving South Carolina.
Report the Problem Immediately
Begin by documenting the damage thoroughly. Take photos, write detailed notes, and save any texts or emails related to the issue. Notify your condo association or property manager as soon as possible. They may inspect the damage or involve a contractor to determine the source. If the damage is traced back to your neighbor’s renovation, the association or manager can guide you on the next steps.
Open communication with your neighbor can also be helpful. They may already be aware of the issue and willing to cooperate. In some cases, the contractor performing the work may have liability coverage that applies to the situation.
Review Your Own Insurance Coverage
Even if the damage wasn’t your fault, your condo insurance policy may be your first line of defense. In South Carolina, condo insurance typically covers damage within your unit. Additionally, many policies include loss assessment coverage, which helps with shared repair costs not fully covered by the building’s master policy.
Your insurer may recommend filing a claim through your own policy first and then pursuing reimbursement if your neighbor or their contractor is found responsible. Contact us, and we’ll guide you through the process.
Get Expert Insurance Help in South Carolina
Dealing with condo-related insurance issues can be complex. Your local agent at C & H Insurance Associates LLC, serving South Carolina, is well-versed in condo coverage. We can help you understand your policy, file a claim, and take the necessary steps to protect your home and finances in the event of unexpected damage.
