# Washington Condo Water Damage: Who Pays | Who Pays the Repair?

> Washington condo associations must insure at 80% of actual cash value; the insurer can't pursue owners, their households or tenants (RCW 64.34.352).

**Who pays:** shared

Washington requires the association to carry property insurance on the condominium for at least 80 percent of actual cash value. Each owner is an insured person for liability tied to the common elements, and the insurer waives subrogation against owners, their households and tenants (RCW 64.34.352). Newer condominiums under chapter 64.90 keep the same 80 percent floor (RCW 64.90.470).

**Boundary:** 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.

**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

## Sources
- [RCW 64.34.352: Insurance](https://app.leg.wa.gov/rcw/default.aspx?cite=64.34.352) — "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..." (accessed 2026-10-28)
- [RCW 64.34.352 Insurance](https://app.leg.wa.gov/rcw/default.aspx?cite=64.34.352) — "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" (accessed 2026-10-28)
- [RCW 64.34.352 Insurance](https://app.leg.wa.gov/rcw/default.aspx?cite=64.34.352) — "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;" (accessed 2026-10-28)
- [RCW 64.34.352 Insurance](https://app.leg.wa.gov/rcw/default.aspx?cite=64.34.352) — "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;" (accessed 2026-10-28)
- [RCW 64.90.470 Insurance](https://app.leg.wa.gov/rcw/default.aspx?cite=64.90.470) — "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," (accessed 2026-10-28)

_Last verified 2026-10-28. Source: Who Pays the Repair? — https://whopaystherepair.com/rules/washington-condo-water-damage-who-pays/ — every claim checked against a primary source before publication (see /methodology/)._