Liability for Accidents on Common Property - Are Owners Liable?
Depending upon the status of your community, individual owners may have liability for accidents on community property. In newer communities that are subject to all of the provisions of the Colorado Common Interest Ownership Act (CCIOA), only owner associations are liable for accidents on common property, owners are not. In communities that were created before CCIOA became effective (July 1, 1992) and for newer communities that are not subject to all of CCIOA (some newer communities are exempt), individual owners MAY have liability for accidents on common property. In those communities, owners may also have liability for an injury on common property if the claim payment exceeds the policy of the association, or if the claim was not covered by the association's policy.
