water leak

Wow. You know what, I'd just call the plumber and pay to have it fixed...

Agreed - at this point, you only want to save your residence. For peace of mind, pretend that the leak is yours.

If it is a "use" leak, it may be something like a leaky shower stall that needs to be caulked, or a poorly grouted floor in an area that gets wet. It is not something like a broken pipe or the leak would be continuous.
 
Becky (the hoa president) just got back to me from the lawyer. He suggested that we wait the 11 days until the bank owns the property again and then go after them for the bill. Because if we made the repairs now while she is still the owner we wouldn't get any money back.

Either that or try to get the plumbers back out and document exactly where the leak is and go back to the water company with proof of a leak and get them to shut off their water.

So... looks like we have to wait it out. :headache:
 
Keep us posted. This is a very interesting set of events...for the person looking in. I'm so sorry it's happened to you and I'm hoping for a good and cheap outcome.
 
Code enforcement. This seems to be who I needed to get involved. After still not getting anywhere and the leak getting worse I tried to call the water company again this morning. Rep said that there was nothing that they could do - but referred me to code enforcement. The officer came out to out house and saw the damage being done and said I should not be expected to clean up this mess. That it was the homeowners responsibility. And next in line would be the HOA. Which is what I had thought all along. He took the HOA presidents name and number and was going to call her to leave a "strongly worded message" as soon as he got back to the office. I haven't heard anything back yet, but hopefully this goes somewhere. :goodvibes
 

Code enforcement. This seems to be who I needed to get involved. After still not getting anywhere and the leak getting worse I tried to call the water company again this morning. Rep said that there was nothing that they could do - but referred me to code enforcement. The officer came out to out house and saw the damage being done and said I should not be expected to clean up this mess. That it was the homeowners responsibility. And next in line would be the HOA. Which is what I had thought all along. He took the HOA presidents name and number and was going to call her to leave a "strongly worded message" as soon as he got back to the office. I haven't heard anything back yet, but hopefully this goes somewhere. :goodvibes

Good luck. I am so glad you seem to finally have found the right people to have involved. This has to be extremely frustrating:headache:
 
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Well mostly.

The leak had in fact gotten worse still and was now leaking into HER unit. And while she couldn't be bothered before, all the sudden she was now turning off her water for all but an hour a day. :sad2:

I didn't hear back from the code enforcement officers until the 22nd. They came back to the house to let me know that they had indeed been inside Terry's house. But unfortunately couldn't do anything because they couldn't see the source of the leak. And were not allowed to ripe open walls. :headache:

I think, great - back to square one. However I did have some hope since the sale of the house was supposedly already done and that they'd soon be gone. Boy was I wrong.

Looked up the court documents a few days after the holidays to see if the bank had in fact repurchased the house, or if someone else had. Neither. The judge ordered the sale date to be pushed back to 2/18. I was LIVID!!!

I went over to Sue's (across the way neighbor) and asked if she had a copy of the HOA bylaws the next day. Because after searching our house for hours - we realized that we never GOT a copy when we moved in. She pulled them out of her desk filling cabinet. She said she never recived any on moving in (over 10 years ago) either. That these we the ones the former owners had left. The were literally from 1982. And have never been updated.

I found nothing really useful in them except that the HOA had the right to maintain the units. And where supposedly supposed to have a key to every one in case of emergencies. Like I donno - a water leak. Apparently our development was originally build as a retirement community. The HOA by-laws still reflected that. Meaning over half were originally bought as "winter homes" for northerners. Snow Birds. So since many of the original owners only lived here 3 months of the year, allowing the HOA to have a key for emergencies seemed like a good idea. But as the years went by things changed. Now it's mostly young family's (like my own) who own them.

I called Becky (the HOA president) the next day. She told me that she knew the date had been pushed back and was going to contact me after New Years to discuss options. Turns out GMAC (bank who owns Terry's mortgage) is under investigation for not taking the proper steps in the foreclosure process. So all of their cases have been put on hold until the investigation is finished. :scared1: Of course I don't think this is the case in Terry's situation, since according to the court documents she has been in the foreclosure process since 10/15/2008. Yes - 2008! Woman has been living for FREE for over 2 years. It makes me sick.

Anyway I end up telling Becky this can't wait any longer. The drywall is starting to get soft. And it's ruining both the units. The HOA needed to step in. If for no other reason than to make sure the units didn't receive even more costly damage. That the longer they waited, the more expensive it would become. I think this finally got through to her.

She then told me she understood my frustration. And that Tom (man who lives in the end unit of our building) had actually offered to go in and have a look to see if he could fix it. But that all the sudden Terry would no longer answer her door. Even when it was Tom. **grumbles**

I then asked about the HOA by-laws and what I had read in them. She told me that basically just after we moved in the HOA went through a big restructure. That the former president had been the same one for over 20 years. :eek: And that he had not done ANYTHING to the by-laws standards. There were no financial records, all kinds of crazy stuff. Basically her and a few other people in the neighborhood ended up banning together to get him out. And called the state to do an investigation. But that they were still in the process of cleaning up all the messes he left.

I then sympathized with her. But just to make sure MY point hit home I added that if I didn't see some results within 2 weeks I would be contacting a lawyer. I told her flat out - I don't WANT to get lawyers involved, I just want the problem fixed. But that I feel like I've been pushed into a corner with this. And if they weren't willing to take care of the problem for me, maybe they'd do so for a lawyer.

This got her attention. She told me she would follow up with the other members of the board and call us back on Monday with a resolution. :dance3:

The very next day (New Years Day) I get woken up at around 8am to pounding on what I thought was our door. I went to our bathroom window to peak out and see if it was one of the neighborhood kids wanting our sons to come out and play. Nope it wasn't. It was the entire HOA board at Terry's door. The VP Kevin then shouted, "TERRY - OPEN THE DOOR!" Nothing. "Terry - you have 15 minutes to open this door or we'll call the police to come break your door down." :woohoo:

She finally opens it. I didn't sand there and listen the the discussion, now I kinda wish I had. But the gist of it was that they were going into her house to find the leak and have it fixed TODAY. She of course caved and agreed to it. I guess one of Tom's family members is a plumber. Took them most of the day, and riping out half of her living room drywall to find it. But they finally found the leak and made the repair.

:yay::yay::yay::yay::yay::yay::yay::yay::yay::yay:

BUT - it's not over yet. Our drywall still needs replacing. Plus I wanna make sure no mold has grown. I plan to allow a week to go by to see how everything drys up. Then go from there.

I want to thank everyone who has taken the time to read my mess of a situation. Hopefully something like this never happens to any of you. But if it does, my advice is to get a lot tougher a lot SOONER. It's sad that doing the right thing seems to be a lost art in our society today. I've learned that lesson the hard way.
 
Oh, what a HUGE hot mess this entire situation brought to light. :sad2:

I'm glad the leak is fixed at last. :yay: At least there will be no further damage. But I feel for you!

Hmmmmm, if I stop paying my mortgage now, by the time they kick me out in two years I'll have quite a bit saved up! kidding..... just kidding.
 
What a story! I'm glad you got it worked out, but it sucks that so many people were willing to do nothing.

Just wanted to mention that not having homeowner's insurance leaves you at risk if someone (anyone) is injured in your condo.

You can get liability insurance without having homeowner's insurance.
 
Well - it has taken an addition 4 months. But they are finally moving out. This weekend in fact. I am beyond happy to see them go. Can you imagine living 2 1/2 years for free? It turns my stomach just to think about it. :sick:

I keep telling (jokingly - well mostly) the Hubs that we should stop paying our mortgage. In less than 6 months we'd be debt (meaning credit) free. Then just start paying the mortgage again. Not that I would ever feel comfortable in doing that. But still - it makes you think... :sad2:
 
I really feel for you. My neighbors lived mortgage/rent free for 3 years, and somehow kept the living there. It was really frustrating because, in their case, it was an overflowing septic tank. The health department only wanted to hear about it if/when sewage was visibly spilling out - and I made several reports.

I can't even imagine having your house hooked to someone like that.
 
Being a townhome owner myself, I missed this when op originally posted. But am glad to have read this. and that it was finally resolved and neighbors finally moved out...what a mess! Makes me thankful that our HOA and our neighbors are as good as they are.
 
Just wondering about the lack of homeowners insurance. You said you put 20% down, so no insurance, but that should mean no mortgage insurance, not no HO insurance. Are you sure that it wasn't set up when you purchased and is just paid for by escrow funds from your mortgage payment? Sometimes realtors will help set up the homeowners policy, because it is required at close and you'll never hear from the Ins. Co. because they are getting paid via the mortgage co. If you have a mortgage, chances are you do have HO insurance. Call your mortgage company and find out if there is an insurance policy they pay in escrow...
 
Just wondering about the lack of homeowners insurance. You said you put 20% down, so no insurance, but that should mean no mortgage insurance, not no HO insurance. Are you sure that it wasn't set up when you purchased and is just paid for by escrow funds from your mortgage payment? Sometimes realtors will help set up the homeowners policy, because it is required at close and you'll never hear from the Ins. Co. because they are getting paid via the mortgage co. If you have a mortgage, chances are you do have HO insurance. Call your mortgage company and find out if there is an insurance policy they pay in escrow...

Anything is possible. But as far as I know we do not have any. I looked over all the info I could find online and I didn't see anything listed on our account. We did however use a government sponsored loan program for first time home buyers. Took a couple of classes, and a low interest rate. So I don't know if that makes a difference or not. If I think of it I will give the lender a call and find out. :goodvibes
 
Anything is possible. But as far as I know we do not have any. I looked over all the info I could find online and I didn't see anything listed on our account. We did however use a government sponsored loan program for first time home buyers. Took a couple of classes, and a low interest rate. So I don't know if that makes a difference or not. If I think of it I will give the lender a call and find out. :goodvibes

Homeowners insurance is required as part of terms of the mortgage. I can't imagine a mortgage company doing a loan without it, just as banks require collision and comprehensive car insurance with a car loan.
 

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