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The answer to this depends entirely on the CC&Rs (Covenants, Conditions and Restrictions) for your HOA, and also where the leak occurred. Read the heck out of the CC&R's to get this answer.

If the HOA bears responsibility for maintaining the water supply and the leak occurred outside the main connection to your property (perhaps the water ran along the pipe into your domicile), then it's likely the HOA is responsible for correction and repairs. If the leak occurred inside your home, only the CC&R's will tell you the answer.

Answer

Check in with a board member about your hazard insurance coverage for this issue. In the HOA I belonged to, the insurance would have covered the damage if it was due to outside Plumbing. I always carried insurance for the inside of my home. In any case, it is tough to get an instant response-you'll need to be patient.

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Q: What is the responsibility of the HOA in terms of property damage from a leaking pipe?
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