Upstairs Condo Water Leak or Mold in Florida? Who Pays Under Fla. Stat. § 718.111(11)
When water drips through your condominium ceiling, stains your drywall, buckles your flooring, or causes black mold growth from an upstairs condo unit or a shared vertical pipe stack, the Condo Association (CAM) and the upstairs unit owner often point fingers at each other.
Florida Condominium Act (Fla. Stat. § 718.111(11) & § 718.113): Florida law strictly divides water and mold remediation responsibility between the Condominium Association's Master Policy (unfinished drywall ceilings, perimeter walls, subfloors, and shared plumbing stacks) and the Individual Unit Owner's HO-6 Policy (paint, floor coverings, built-in cabinets, and interior mold endorsements), unless the leak was caused by the upstairs owner's negligence.
Interactive Florida Condo Water Leak & Mold Responsibility Splitter
Select how the water leak started and what is damaged in your condo unit:
Statutory Payer Breakdown (Fla. Stat. § 718.111(11) & § 718.113):
1. Condo Association (Master Policy): Legally responsible for opening the wet ceiling/wall cavity, repairing the common pipe, extracting wet insulation, and replacing bare unfinished drywall.
2. Your HO-6 Condo Policy: Covers interior paint, kitchen/bath cabinets, flooring, and certified ANSI/IICRC S520 mold remediation inside your unit.
3. Association Right of Emergency Entry (§ 718.111(5)): The Condo Association has an irrevocable right of access to enter the upstairs unit immediately to stop the leak and inspect for hidden moisture.
1. Condo Association (Master Policy): Legally responsible for opening the wet ceiling/wall cavity, repairing the common pipe, extracting wet insulation, and replacing bare unfinished drywall.
2. Your HO-6 Condo Policy: Covers interior paint, kitchen/bath cabinets, flooring, and certified ANSI/IICRC S520 mold remediation inside your unit.
3. Association Right of Emergency Entry (§ 718.111(5)): The Condo Association has an irrevocable right of access to enter the upstairs unit immediately to stop the leak and inspect for hidden moisture.
How 007 Alpha BioClean Coordinates Both Your HO-6 Claim & the Condo Association
- Infrared Thermal Moisture Mapping & Leak Origin Report: Adjusters and Condo Boards require proof of where the water came from. Our FL DBPR Licensed Mold Remediators (
#MRSR4599) document exact moisture readings in ceilings, walls, and upstairs plumbing risers. - Split Xactimate Billing for HO-6 + Condo Master Policies: We separate common-element structural dry-out/drywall items from unit-owner HO-6 items so your insurance claim is approved without finger-pointing.
- Instant Statutory Notice to Your Condo Association & Upstairs Owner: Fill out the form on this page to generate a formal Fla. Stat. § 718.111(5) & § 718.113 Inspection & Remediation Demand Notice and have our Condo Desk contact your CAM Property Manager today.
Fast 30-Second Intake & Official Notice Generator
Get Condo Leak & Mold Help + Generate HOA Demand Notice
Fill out this simple form to receive immediate help from our licensed dispatch desk and generate your printable Statutory Notice / Official Case Document. Only your name, phone number, and property address are required.