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HOA Guidelines for Restoring High-Rises Damage

Last updated October 25, 2026

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The short answer

Start with Your HOA Documents

Before any drying or repairs begin, read your HOA's bylaws, declarations, and rules. These documents spell out who owns what, from walls and floors to pipes and exterior windows. The board may have specific procedures for restoration work, including required permits or approved materials.

Ask the HOA board for a written summary of your responsibilities. Some associations require you to submit a restoration plan before work starts. Others have a list of approved vendors you must use. Knowing these rules early prevents delays and fines later.

Common Areas Versus Your Unit

Water damage in a high-rise often affects more than one unit. Leaks can travel through walls, ceilings, and shared mechanical spaces. The HOA typically handles repairs to common areas like hallways, elevators, and exterior walls, but your unit's interior is usually your responsibility.

If the leak started in a pipe inside your wall, the HOA might cover the structure, while you handle your personal property and finishes. Get clarity in writing. A quick conversation with the board can save you from paying for work that the association should cover.

Review your HOA's maintenance responsibilities chart.

Ask about the process for filing a restoration request.

Confirm whether you need board approval before hiring pros.

Check if temporary relocation is required during repairs.

Keep copies of all correspondence with the HOA.

Coordinate with Your Insurance

Your HOA's master policy may cover certain types of water damage, but it often has limits. Your own condo or renters policy covers your personal belongings and interior finishes. Policies vary, and your insurer decides what is covered. Check your policy and talk to your agent about what applies.

File a claim quickly, but don't start major work until you know what your insurer expects. Some policies require you to mitigate further damage, like stopping leaks or removing soaked items. Document everything with photos and notes for both the HOA and your insurance company.

Follow the Restoration Process

Once you have the green light from your HOA and insurer, the actual restoration can begin. Water damage pros will assess the extent of the damage, remove wet materials, and dry the affected areas. In a high-rise, this might involve specialized equipment to reach upper floors or deal with concrete and steel structures.

Expect the process to take time, especially if the damage is extensive. The pros will work to prevent mold and structural issues, but they must follow the HOA's rules for noise, hours of work, and waste disposal. Be patient and stay in contact with your board throughout.

Prevent Future Water Damage

After restoration, take steps to reduce future risks. Know where your shutoff valve is and how to turn it off quickly. If you live in Frisco, keep your shutoff valve location written down. Check your appliances and plumbing regularly for leaks, especially after the humid subtropical climate with hot summers and spring hail and thunderstorms.

Report any signs of water intrusion to your HOA immediately, even if it's minor. Early detection can stop a small leak from becoming a major restoration project. Work with your board to maintain shared systems, and keep your own unit's fixtures in good repair.

Water damage does not wait

Call (469) 535-6935 any time, day or night, and describe what happened.

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Frequently asked questions

Does the HOA pay for water damage in my unit?

It depends on your HOA's master policy and the cause of the damage. If the leak comes from a common area or shared pipe, the association may cover repairs. Your own policy covers your belongings and interior finishes. Policies vary, and your insurer decides what is covered.

Can I hire any restoration pro?

Your HOA may have a list of approved vendors or require you to use certain pros for work in common areas. Check your rules before hiring. Even if you choose your own, the pros must follow HOA guidelines for noise, parking, and disposal. Ask the board for approval in writing first.

How long does high-rise restoration take?

The timeline depends on the extent of the damage, the drying process, and any HOA approvals needed. Simple leaks might take a few days, while major flooding can take weeks. The pros will give you a realistic schedule after assessing the situation. Stay flexible and communicate with your board.

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