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Read your governing documents to determine who owns the water pipe.

If the pipes are for the sole use of a single owner, then the pipe may be considered 'limited common area', and the owner may be responsible for repair. The association may make the repair, then charge the owner.

If the pipes are for the use of everyone in the community, such as pipes for a sprinkler system, then the association's policy may cover the cost of repair.

Usually, one party is responsible for the repair and one party is responsible for paying for the repair. The 'one party' may be the same party, or it may be different parties.

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