Default rule and exceptions
Fla. Stat. § 718.111(11)(f) requires the association's property policy to EXCLUDE the unit's finish items (floor/wall/ceiling coverings, electrical fixtures, appliances, water heaters, water filters, built-in cabinets and countertops, window treatments) and personal property, those fall to the owner. Under § 718.111(11)(j) an owner bears reconstruction cost where damage was caused by that owner's (or their family/tenant/guest/invitee's) intentional conduct, negligence, or declaration/rule violation.
| Party | What they are responsible for |
|---|---|
| Property owner | Repair/replace the excluded finish items (coverings, appliances, cabinets, window treatments) and personal property; bear the full reconstruction cost where the owner side caused the damage. |
| City / public agency | The association reconstructs the insured condominium property (the structure) as a common expense. |
| Exceptions | Negligence/intentional-conduct chargeback shifts cost to the responsible owner; The declaration allocates specific responsibilities within these statutory limits |
What the source says
Last verified against the primary source on Sep 11, 2026.
The coverage must exclude all personal property within the unit or limited common elements, and floor, wall, and ceiling coverings, electrical fixtures, appliances, water heaters, water filters, built-in cabinets and countertops, and window treatments... A unit owner is responsible for the costs of repair or replacement of any portion of the condominium property not paid by insurance proceeds if such damage is caused by intentional conduct, negligence, or failure to comply with the terms of the declaration or the rules of the association.
Maintenance of the common elements is the responsibility of the association, except for any maintenance responsibility for limited common elements assigned to the unit owner by the declaration.
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Common questions
Who pays for hoa / condo water-leak reconstruction in Statewide, FL?
Responsibility is shared. Repair/replace the excluded finish items (coverings, appliances, cabinets, window treatments) and personal property; bear the full reconstruction cost where the owner side caused the damage.
Are there exceptions in Statewide, FL?
Negligence/intentional-conduct chargeback shifts cost to the responsible owner; The declaration allocates specific responsibilities within these statutory limits
What is this based on for Statewide, FL?
This verdict is sourced to Florida Statutes § 718.111(11)(f),(j) and 2 sources in total, each independently re-checked before publication.
Sources
- Florida Statutes § 718.111(11)(f),(j)statute · verified-primary · accessed 2026-09-11
- Florida Statutes § 718.113(1) (common-element maintenance)statute · verified-primary · accessed 2026-09-11
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