Condominiums are subject to specific laws and regulations when it comes to assessing liability for condominium unit fires. When a fire originates in one unit and spreads to common areas, many unit owners may wonder whether the owner of the unit where the fire originated is responsible for all damage resulting from the fire. However, when common areas of a condominium building sustain damage – regardless of whether any person is at fault for causing the fire – the condominium association will file a claim pursuant to the association’s insurance policy.
What if a Unit Owner is Negligent for Causing the Fire?
In addition to having an insurance policy on behalf of the condominium association, condominium unit owners have separate insurance policies that may cover some damage if the damage is the direct result of conduct originating from a particular unit. For example, if a fire originating in one unit causes damage to other units, the unit owners may file claims with individual insurance policies that each owner has.
If the fire that begins in one unit is the result of negligence, that unit owner’s insurance policy may cover damage to other units, and in some cases, such insurance policy may also cover damage to common areas. One example of negligence is failing to call the fire department after unsuccessfully attempting to put out the fire. An owner who leaves the premises without seeking the assistance of emergency personnel may be considered negligent and liable for any resulting property damage or injuries.
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To find out if you have a fire damage claim, the value of your claim, or you are interested in finding out if you can file a fire damage lawsuit against an insurance or the at-fault party, contact Barrett Law PLLC at 1-800-707-9577 to receive your free initial consultation.
