If you’re in the West Chester, PA area and looking for a condo insurance policy, getting in touch with us at Griffith Insurance LLP is the right choice. We’re committed to helping all our customers find the best policies for their specific needs. Knowing what your policy covers is a big part of that, so you can feel confident that you have coverage you can rely on.

Know Where the Water Came From

For water that came from inside your unit, like a burst pipe, your insurance policy will generally provide coverage. This can include damage caused by leaks in your HVAC unit, water heater, faucets, or toilet. You can usually expect to have your walls and floors repaired under your policy, and can seek replacement for any personal belongings that were damaged by the water, as well.

Check the HOA Master Policy

Water that comes from outside your unit, such as a roof or foundation leak, or a pipe that burst on a shared wall, is usually the responsibility of your HOA or COA. They have a master policy that protects the building, and that policy can be used to repair your unit and replace damaged belongings. Keep in mind that long-term neglect or deferred maintenance isn’t covered at all, and floods, sewer backups, or storm surges often need optional endorsements or loss assessment coverage to protect you in the event of a claim.

Work With an Agent Who Can Help

Contact us today at Griffith Insurance LLP if you’re in the West Chester, PA area and looking for condo insurance. Our dedicated agents can answer your questions and provide you with quotes from multiple insurers, so you can make the right choice for quality coverage. We’re here to help you protect your condo and enjoy more peace of mind.