Water damage: who pays?

Who pays depends on the origin: common or private.

Pro Syndic

Voluntary Syndic

Co-owners

Federal rule — applies throughout Belgium

Common origin (roof, pipes, facade): co-ownership insurance covers it. Cost shared by quotas.

Private origin (tap, washing machine): the responsible co-owner’s insurance.

Klarencia allows you to declare and track claims.

Legal references

Article 3.84 Civil Code — Common area maintenance

Klarencia facilitates claim declarations.

Related questions

Who is responsible for water damage in common areas?

Responsibility for water damage depends on the origin of the leak.

Is fire insurance mandatory in co-ownership?

Building fire insurance is generally mandatory and managed by the syndic.

Disclaimer

The information provided is for informational purposes only and does not constitute legal advice. If in doubt, consult a qualified professional (solicitor, notary, accountant, or IPI-accredited professional syndic). Klarencia is a management tool and does not replace professional advice.