# Florida Condo Water Leak: Who Pays for the Repair? | Who Pays the Repair?

> After an insured leak in a Florida condo, the association rebuilds the structure (718.111(11)); owners pay for finishes, appliances and cabinets, or all if at fault.

**Who pays:** shared

After an insured water loss in a Florida condo, the association rebuilds the structure as a common expense, but you pay for your floor, wall and ceiling coverings, appliances and cabinets, and for the whole repair if your negligence caused the leak.

**Boundary:** 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.

**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 / 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

## Sources
- [Florida Statutes § 718.111(11)(f),(j)](https://www.flsenate.gov/Laws/Statutes/2023/718.111) — "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." (accessed 2026-09-11)
- [Florida Statutes § 718.113(1) (common-element maintenance)](https://www.flsenate.gov/Laws/Statutes/2023/718.113) — "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." (accessed 2026-09-11)

_Last verified 2026-09-11. Source: Who Pays the Repair? — https://whopaystherepair.com/rules/florida-condo-who-pays-repair-after-water-leak/ — every claim checked against a primary source before publication (see /methodology/)._