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Plumbers in Tampa Bay · Florida homeowner resource

Plumbing responsibility worksheet

Use this sheet to organize the facts. It does not decide legal liability or insurance coverage.

Report danger and active damage first. Do not delay emergency, utility, association, property-manager, plumber, or insurer notice while trying to settle responsibility.
QuestionCurrent answerEvidence to check
Property formCondominium / HOA / rental / otherDeed and current recorded declaration
Failed componentFixture / branch / riser / stack / main / lateral / unknownWritten plumber or utility finding
What it servesOne unit / several units / common area / public system / unknownSystem layout, scope, and declaration
Where it sitsInside unit / wall / ceiling / slab / common area / yard / right-of-wayUnit boundary and utility boundary
Maintenance dutyOwner / association / utility / unresolvedExact declaration, covenant, or utility provision
Separate damageAccess / drying / finishes / contents / another unitPolicy instructions and written restoration scope

Keep these decisions separate

1. Stop and diagnose the failure

2. Repair the failed component

3. Open and restore access

4. Dry and mitigate damage

5. Address finishes, contents, deductibles, and other units

Reviewed August 26, 2026 · Full sources and limitations: plumbersintampabay.com/guides/florida-condo-hoa-plumbing-responsibility
Keep with the incident file

Document and contact record

Build one chronology that the owner, association, manager, plumber, restoration company, insurer, and adviser can follow.

  • Date, time, location, and person who first observed the condition
  • Affected fixtures, units, common areas, and whether water is still moving
  • Safe photographs or video taken before cleanup or permanent repair
  • Association, manager, owner, landlord, utility, plumber, and insurer notices
  • Written plumbing diagnosis: component, location, what it serves, and access needed
  • Current declaration, amendments, maintenance allocation, and relevant policy pages
  • Mitigation records, estimates, approvals, permits where required, invoices, and warranties
  • Written responsibility or coverage decision, disputed items, deadlines, and next follow-up
Do not store passwords, access codes, or full policy/account numbers on this sheet.