How do I reclaim flood damage costs from a condo unit above me?

September 2, 2014 4:35 PM

Last week a condo unit above mine had an accidental flood. The water damaged about nine units including mine. As a resident in Ontario, how do I reclaim my expenses for the damage he caused.

I have condominium insurance with a $1000 deductible. The condo board has a flood repair crew ripping out my ceiling and has installed dehumidifiers and fans. I understand the condominium will cover then damage to the common areas/structure, but anything inside my unit is my problem. Am I really on the hook for the $1000 deductible? Can I get that from his insurance or can I sue?

posted by jmmpangaea to Law & Government (6 answers total)

Ask your insurance how to do this. Usually what happens is that you pay your deductible, and their insurance pays you back for it.
posted by jeather at 4:36 PM on September 2, 2014 [2 favorites]

File a claim with your insurance, usually the insurance of the offending unit/building/condo assn will cover the deductible via subrogation.
posted by Ruthless Bunny at 4:54 PM on September 2, 2014 [1 favorite]

Call your strata and ask for their insurance information too.
posted by Chaussette and the Pussy Cats at 5:41 PM on September 2, 2014

However it plays out going forward, keep everything and take photos/video.
posted by Freedomboy at 9:44 PM on September 2, 2014

Response by poster: Thank you. All helpful answers. I believe what Ruthless said is going to happen here.
posted by jmmpangaea at 6:29 PM on September 3, 2014

Response by poster: So there was a clause in the condo declaration that prevents owners going after other owners for things like this.
posted by jmmpangaea at 5:56 PM on October 28, 2014