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I live in a condo. The stairwell from the 2nd to the 3rd floor is pulling away from the interior wall (as the wall is buckling). Is this interior wall considered part of the buildings structure and therefore would be covered under the associations master insurance policy?

3 Thoughts on Is an interior wall considered part of a builiding structure? Or is that only exterior walls?
  1. Reply
    November 20, 2011 at 7:04 am

    An interior wall is either load bearing or non-load bearing which means it is either holding up the ceiling(or next floor) or it is not. Generally speaking if the wall is running parallel to the joists above it is not load bearing, if it is running perpidicular it is. I would consider load bearing walls to be part of the structure.

  2. Reply
    cant believe this website
    November 20, 2011 at 7:42 am

    Generally speaking, anything inside your unit you are responsible for except if your stuff causes damage to other areas, like a broken pipe flooding the downstairs neighbor. All common areas are the responsibility of the association. Exterior walls,grounds, hallways, elevators and stairs are all common areas.

  3. Reply
    November 20, 2011 at 8:03 am

    Is an interior wall considered part of a building structure~ That would depend on how the building is build which is beside the immediate problem.

    I do believe the stairwell wall from the 2nd to the 3rd floor is load bearing because it helps carry the load of the stairs and people using it and therefore structural.

    Would you be covered under the associations master insurance policy ~ As you probably already know insurance companies will try to get out of anything, they pay people big bonus to find loop holes and therefore the answer to this part of your question couldn’t be answered with certainty.

    But you don’t have to be covered to try to lodge a claim, in any case lodge first and let them decide, that’s part of the service your insurance fees pay for.

    Now for your the wall that is pulling away from the stairwell, this is a very serious problem and you urgently need to have someone look at it. If that set of stairs collapses while in use and hurts someone bad and we know the insurance company will try to get out of it’s responsibilities, which could lead to everyone who owns a unit in your condo being sued.

    I’m sorry if my answer is distasteful, but if you ended up being sued because I didn’t warn you when I could of, how distasteful would that be?

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