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Deductible Allocation in Townhome Communities

Deductible Allocation in Townhome Communities

Townhome communities occupy a middle position between a single-family neighborhood and a condominium association, and that hybrid structure shows up clearly in how deductibles get handled after a storm loss. Depending on how the community is organized, insurance may...

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Exterior Maintenance Responsibilities in Townhomes

Exterior Maintenance Responsibilities in Townhomes

A recurring source of confusion in townhome communities involves who is actually responsible for a given exterior component when storm damage occurs, and the answer is rarely intuitive from simply looking at the property. Unlike a detached single-family home, where...

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Row Roof Replacement Projects in Townhome Communities

Row Roof Replacement Projects in Townhome Communities

Townhome buildings are frequently constructed as a continuous row of attached units under a single roof structure, which means storm damage rarely stops conveniently at a property line. A hailstorm severe enough to warrant roof replacement on one end unit has...

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Coordinating Party Wall Repairs Between Owners

Coordinating Party Wall Repairs Between Owners

A party wall is the shared structural wall separating two attached townhome units, and it occupies an unusual legal and physical position: it is one continuous structure that belongs, at least in part, to both adjoining owners simultaneously. When storm damage, fire,...

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