Condo owners often rely on shared responsibility between their homeowners association and themselves. But winter tends to expose the gaps that usually stay invisible the rest of the year. In Cummings, GA, that shared responsibility can end up being a bit lopsided, but not in your favor. Your HOA most likely doesn’t have a winter checklist covering every weak point. And even if they did, it won’t include the risks you’re facing as a condo owner.

Where Winter Stress Shows the Cracks in Shared Maintenance

Most HOAs handle their core duties exceptionally well: roofs, exterior walls, landscaping, and common walkways. But what about everything else that just almost fits those categories? Winter tends to bring those edge cases into focus.

For example, a hallway pipe warms up unevenly and creates pressure on the plumbing inside your unit. An outdoor stairway ices over because the deicer was delayed. A gutter clogs above a shared wall, and the moisture pushes into your bedroom ceiling. Each of these scenarios lives right in the space between shared property and individual ownership. But who covers the damage? Your policy or the HOA’s?

As a condo owner, you already know that "Who maintains it?” and “Who pays for it?” are two entirely different conversations. But Wichalonis Insurance Agency can help you understand how these gaps interact with your particular condo insurance. 

Why You Should Reevaluate Your Condo Policy 

Cold weather doesn’t create new problems; it unveils what’s already been simmering. When your HOA falls behind or maintenance becomes uneven, the impact can reach deep into your condo. And with that, you risk neither your policy nor theirs taking responsibility for the damage. Wichalonis Insurance Agency, serving Cumming, GA, helps condo owners ensure their condo insurance policy covers the risks that fall between the HOA’s responsibility and theirs. Call us for a consultation and quote.