Default rule and exceptions
Unless the declaration provides otherwise, the association, acting through its board, adopts budgets and collects assessments for common expenses from unit owners (Tex. Prop. Code 82.102). The association must maintain, to the extent reasonably available, property insurance on the insurable common elements, including fire and extended coverage, for at least 80 percent of the replacement cost or actual cash value of the insured property (82.111).
| Party | What they are responsible for |
|---|---|
| Association | Adopts budgets, collects assessments for common expenses, and insures the insurable common elements for at least 80 percent of replacement cost or actual cash value, to the extent reasonably available. |
| Unit owner | Pays assessments funding common-element repair and insurance; the declaration governs finer unit-vs-common allocation. |
| Exceptions | The declaration may otherwise provide for association powers and insurance requirements |
What the source says
Last verified against the primary source on Oct 28, 2026.
Unless otherwise provided by the declaration, the association, acting through its board, may... adopt and amend budgets for revenues, expenditures, and reserves, and collect assessments for common expenses from unit owners...
Beginning not later than the time of the first conveyance of a unit to a person other than a declarant, the association shall maintain, to the extent reasonably available: (1) property insurance on the insurable common elements insuring against all risks of direct physical loss commonly insured against...
property insurance on the insurable common elements insuring against all risks of direct physical loss commonly insured against, including fire and extended coverage, in a total amount of at least 80 percent of the replacement cost or actual cash value of the insured property as of the effective date and at each renewal date of the policy
Read who pays when water leaks from the unit above and the general HOA and condo repair rules. For Texas, see Texas HOA and condo repairs, who pays.
Common questions
Who pays for condo: water damage / component repair in Statewide, TX?
Responsibility is shared. Adopts budgets, collects assessments for common expenses, and insures the insurable common elements for at least 80 percent of replacement cost or actual cash value, to the extent reasonably available.
Are there exceptions in Statewide, TX?
The declaration may otherwise provide for association powers and insurance requirements
What is this based on for Statewide, TX?
This verdict is sourced to Texas Property Code Ch. 82, Sec. 82.102 (Powers of Unit Owners' Association) and 3 sources in total, each independently re-checked before publication.
Sources
- Texas Property Code Ch. 82, Sec. 82.102 (Powers of Unit Owners' Association)statute · verified-primary · accessed 2026-10-28
- Texas Property Code Ch. 82, Sec. 82.111 (Insurance)statute · verified-primary · accessed 2026-10-28
- Tex. Prop. Code ch. 82statute · verified-primary · accessed 2026-10-28
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