Why a "Code-Compliant" Grill is a Gamble with Your Home Investment
We all enjoy the idea of an outdoor barbecue, but as owners, we need to look past the smoke and see the real financial risk. Some advocate for grills because they meet the fire code and new House Rules will govern their use, but "legal" doesn’t mean "safe" for our building's bank account, and House Rules are only good if they are followed.
Here is why adding grills is a high-stakes gamble we cannot afford:
· We Are Already High-Risk: Our building has a history of catastrophic flooding, and our return to the primary insurance market is still fragile. This is the wrong time to add a new, avoidable fire risk.
· Insurers judge the whole risk picture. Approving grills tells them we are adding avoidable risk when we should be reducing it.
- A Single Incident Could Put Us Back in the Secondary Insurance Market
o If a fire occurs due to a grill—even if the grill itself met fire code—the carrier will likely see it as an avoidable loss caused by poor oversight.
o Having a flood history PLUS a fire claim is a recipe for non-renewal.
o If our primary carrier drops us, we have to go back to the much more expensive secondary market, but who is to say the secondary carriers will consider us worth the risk.
· Liability Exposure: If a grill fire occurs, the Association may face liability lawsuits for failing to enforce safety rules, even if they provided a designated, "approved" grill area.
- Liability for Damages: Under the proposed Maryland House Bill 449 (2025) and its 2026 session counterpart, Senate Bill 332, if a fire results from a condo unit owner’s negligence while using a common area grill, the responsible unit owner faces significantly increased financial liability for the Association's insurance deductible, increasing from $10,000 to $20,000 - $25,000. Also, the bills require a mandatory disclosure regarding this responsibility in resale contracts.
However, if the fire is deemed a result of the Association's negligence (e.g., inadequate oversight of the common area grills), the Association may bear the full burden.
- Rules Don't Prevent Accidents—People Do: Our history shows that "House Rules" are often ignored. We’ve seen pet waste in common areas and, incredibly, a hibachi brought into the lobby that triggered the fire alarm. If we can’t ensure basic compliance now, we cannot guarantee a resident won't leave a hot grill unattended or fail to properly store the propane tanks after use. Insurance companies look at this "human element," and they expect compliance.
- Low Reward, High Risk: Unlike a gym, 24-hour concierge service, live-on engineers, or year-round swimming pool, a grill station does not significantly move the needle on property values. No prospective buyer decides to invest hundreds of thousands of dollars in a high-rise specifically because there is a grill 20 feet from the door. However, they will walk away if they see skyrocketing condo fees or a building that is nearly uninsurable.
The Bottom Line: We should be focused on maintaining our building’s profile to stay in the primary insurance market, not adding "amenities" that offer minimal value while threatening our property values.
For more information, see the August 21, 2025 blog post outlining additional concerns with acquiring, installing, and using grills on our patios. https://theelizabethcondo.blogspot.com/2025/08/discussion-addressing-concerns-about.html
