Owning a townhouse comes with many benefits, from shared walls that can improve energy efficiency to a community feel with maintained common areas. However, when it comes to roof repairs, many homeowners find themselves unsure about who is responsible. Is it the homeowner, the HOA, or a property management company? The answer depends on several factors, including the specific ownership structure and HOA agreement. In this article, our experts at Becker’s are here to break down the common scenarios and help you understand who is responsible for roof repairs in a townhouse.

There Are Different Types Of Townhouse Ownership

Townhouses are typically structured as either condominium ownership or fee simple ownership. The first step in determining responsibility is reviewing the ownership model outlined in your deed or HOA documents.

• Condominium-style ownership means you own the interior of the unit, but the exterior, including the roof, is owned and maintained by a homeowner’s association (HOA).
• Fee simple ownership means you own the entire structure, including the roof, and sometimes even the land beneath the property.

What Your HOA Covers (And What It Doesn’t)

If your townhouse is part of an HOA, the governing documents will specify what areas are considered common or limited common elements. In many condo-style HOAs, the roof is considered a common element and is therefore the responsibility of the association. If the townhouse is part of a fee simple development, the roof is usually considered part of the individual homeowner’s property.

However, not all HOAs are the same. Some may only cover maintenance or replacement in cases of storm damage or leaks caused by a covered event, while routine repairs may still be the homeowner’s responsibility. If you’re unsure, contacting your HOA directly is the best way to get a definitive answer.

Clues From Your Property Layout

Another helpful clue is the physical layout of your townhouse community. In developments where multiple homes share one continuous roofline, roof repairs are more commonly covered by the HOA. On the other hand, if each townhouse has a separate, clearly defined roof, there’s a good chance the homeowner is responsible for its maintenance. Also, keep an eye out for HOA-provided services like gutter cleaning or exterior painting. If your HOA takes care of exterior maintenance, there’s a higher likelihood that roof repairs are included.

Insurance Coverage And Roof Repairs

Even if your HOA is responsible for the roof structure itself, your homeowners insurance may come into play when damage affects your unit. For example, if a roof leak damages your ceilings or interior walls, your individual policy may need to cover interior repairs. If you’re responsible for the roof, it’s essential to ensure your homeowners policy includes adequate coverage for roof damage due to wind, hail, or falling debris. Make sure your deductible is manageable and that you understand the claims process before damage occurs.

What To Do If You’re Responsible

If you’ve reviewed your documents and determined that roof maintenance falls on you, don’t put off repairs. Small issues can quickly turn into larger, more expensive problems if left unaddressed. A minor leak can lead to structural damage, mold, and insulation issues. Hiring a reputable roofing contractor like the experts at Becker’s ensures the job gets done right and in compliance with any HOA requirements or municipal building codes.

Need Roof Repairs? Call Becker’s

If you’re responsible for your own townhouse roof repairs, trust the experienced team at Becker’s. We specialize in quality roof repair and replacement for homeowners throughout the Delaware Valley. Whether you’re dealing with a small leak, storm damage, or general wear and tear, we’ll provide a free estimate and recommend the right solution for your home and budget. Contact Becker’s today to schedule your quote and protect your investment.