Default rule and exceptions
The association must maintain property insurance on the condominium, to the extent reasonably available, for not less than eighty percent of the actual cash value of the insured property after deductibles, or a higher amount the declaration sets (RCW 64.34.352). Each unit owner is an insured person under the policy for liability arising from the owner's interest in the common elements or membership in the association, and the insurer waives subrogation against any unit owner, member of the owner's household and lessee. Condominiums governed by chapter 64.90 follow RCW 64.90.470, which keeps the eighty percent floor.
| Party | What they are responsible for |
|---|---|
| Association | Maintains property insurance on the condominium for at least 80 percent of actual cash value after deductibles, to the extent reasonably available. |
| Unit owner | Is an insured person for liability tied to the common elements or association membership; the insurer cannot subrogate against the owner, household members or tenants. |
| Exceptions | Insured-person status covers liability arising from the owner's interest in the common elements or membership in the association; Condominiums governed by chapter 64.90 follow RCW 64.90.470, with the same eighty percent floor |
What the source says
Last verified against the primary source on Oct 28, 2026.
Commencing 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: (a) Property insurance on the condominium, which may, but need not, include equipment, improvements, and betterments in a unit...
The total amount of insurance after application of any deductibles shall be not less than eighty percent, or such greater amount specified in the declaration, of the actual cash value of the insured property
Each unit owner is an insured person under the policy with respect to liability arising out of the owner's interest in the common elements or membership in the association;
The insurer waives its right to subrogation under the policy against any unit owner, member of the owner's household, and lessee of the owner;
insuring against risks of direct physical loss commonly insured against, which insurance, after application of any deductibles, must be not less than eighty percent of the actual cash value of the insured property at the time the insurance is purchased and at each renewal date,
Read who pays when water leaks from the unit above and the general HOA and condo repair rules.
Common questions
Who pays for condo: water damage / component repair in Statewide, WA?
Responsibility is shared. Maintains property insurance on the condominium for at least 80 percent of actual cash value after deductibles, to the extent reasonably available.
Are there exceptions in Statewide, WA?
Insured-person status covers liability arising from the owner's interest in the common elements or membership in the association; Condominiums governed by chapter 64.90 follow RCW 64.90.470, with the same eighty percent floor
What is this based on for Statewide, WA?
This verdict is sourced to RCW 64.34.352: Insurance and 5 sources in total, each independently re-checked before publication.
Sources
- RCW 64.34.352: Insurancestatute · verified-primary · accessed 2026-10-28
- RCW 64.34.352 Insurancestatute · verified-primary · accessed 2026-10-28
- RCW 64.34.352 Insurancestatute · verified-primary · accessed 2026-10-28
- RCW 64.34.352 Insurancestatute · verified-primary · accessed 2026-10-28
- RCW 64.90.470 Insurancestatute · verified-primary · accessed 2026-10-28
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