Is Water Damage Covered By Our Condo Association's Master Insurance Policy, Boston, MA?

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Is water damage covered by our condo association's master insurance policy in Boston, MA? The depends. We know this is not the answer people are hoping to read, but this explanation should clear the muddy water. If you have further questions call me for clarification.

FLOOD or GROUND WATER are a couple of the UNCOVERED causes of water damage. A condo association would have to purchase flood insurance to cover the water damage sustained by flood or ground water.


Coverage for BACK-UP of SEWERS and DRAINS maybe purchased or included within a condo's master insurance policy. The term back-up of sewers and drains refers to water that backs-up through your sink, bathtub, shower, or drain etc and causes water damage within your condo complex or unit.

BROKEN or FROZEN PIPES that cause water damage will usually be a COVERED loss by the condo association's master policy (assuming heat was maintained within the building). If put together correctly, the owner's individual condo insurance (HO6) will subsidize most of the master policy's deductible. This means less money out of your pocket to repair the water damage and to get life back to normal.

RAIN damage to the interior of you condo will be a COVERED loss IF the STORM DAMAGES YOUR BUILDING and that's why the rain got in your condo complex or unit.

For a review or a quote on your condo association's master insurance policy   contact us!



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Stanley Stepak
Howard Hanna - Avon Lake, OH - Avon Lake, OH
Realtor - Avon Lake, Avon, Bay Village, Westlake,

Good info that carries across states

Aug 24, 2010 02:47 AM #1
AJ Marchionne
AJ Marchionne Insurance Agency Inc - Quincy, MA
Condo Association Insurance Boston, MA

Thanks Stan, I appreciate the complement!  

Aug 25, 2010 09:33 AM #2
Dan Edward Phillips
Dan Edward Phillips, Humboldt and Del Norte Counties, CA - Eureka, CA
Humboldt and Del Norte Counties, CA

Hi AJ, you have asked a very import question.  Thanks for posting the information.

Sep 24, 2010 01:54 AM #3

My pleasure! There will be more to come as I will continue to post blogs regarding condo association master insurance.  

Sep 24, 2010 02:00 AM #4
Jay McHugh
SendOutCards-Appreciation Marketing Expert - Boston, MA
YOUR SendOutCard Mentor


Great job reminding me of the insurance challenges out there....please keep the great posts coming...


have a great week ahead.....

Mar 21, 2011 12:15 AM #6
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AJ Marchionne

Condo Association Insurance Boston, MA
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