HOA, Townhome & Condo Association Restoration

An association loss is rarely one building’s problem. Hail hits every roof on the property at once. An attic fire crosses a shared wall into the units on either side. A supply line lets go on the fourth floor and becomes a fourth, third, and second-floor problem within minutes. The repair itself is ordinary construction — the hard part is scope, sequence, and getting a board to a decision.

Attached housing fails in directions detached housing does not. In a townhome row the damage travels sideways through shared framing; in a stacked building it travels down. Either way, by the time someone calls it is often several homes, one association, and more than one insurance policy. Speed matters more here than almost anywhere else, because every hour water moves it adds another unit to the claim — and drying has to be verified in each affected home, since the assembly between two floors can read dry from above and still be wet from below.

Who owns what is the first question. In a Minnesota common interest community, the association’s master policy typically covers the roof, siding, and other common elements, while individual owners carry their own policy — an HO-6 in a condominium — for what is inside their walls. Where that line falls depends on the association’s declarations, and getting it wrong is where association claims most often stall, with one carrier waiting on the other while the building sits open. We scope the loss per unit and document it so both claims can move in parallel.

Boards do not decide the way homeowners do. A homeowner approves a scope in an afternoon; a board may need a meeting, a reserve review, and sometimes a vote on a special assessment. We build estimates that survive that process — itemized by building, in the Xactimate format carriers expect, with enough detail that a board can compare bids and a property manager can explain the number to owners. Then we hold the schedule while the decision works its way through.

Meanwhile the people in the unaffected units still live there. They still need the hallway, the elevator, and their own front door. Containment and staging are planned around that, not around what is convenient for the crew.

We take part in the Twin Cities multi-housing industry — including exhibiting at the Minnesota Multi Housing Association conference — and have worked across the metro since 1977, from single-building townhome rows to multi-building communities and stacked condominium buildings. We are IICRC-certified in both water restoration and mold remediation, and one team carries the work from the first containment through the final finish. If your property manager already has a process, we work inside it. If your board is doing this for the first time, we will tell you what normally happens next.