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Water Damage From the Unit Above: Who Pays?

By Nymble Insurance LLC · Published October 28, 2026 · Updated October 28, 2026 · 2 min read

When water comes from the unit above, who pays depends on where the leak started, what the declaration says, whether someone was negligent, and each policy's terms. Your HO-6 typically responds to covered damage to your unit's interior and belongings, then may seek recovery from others.

First steps

• Stop the water and notify the manager
• Photograph everything
• Prevent further damage and keep receipts
• Call your agent

Sudden vs. long-term

Sudden bursts are commonly covered; slow, repeated leaks and mold are often limited or excluded.

Prevent it

Water sensors, shutoff valves and replacing old supply lines help.