Who is responsible for roof leaks in an HOA?
Short answer
Usually the HOA — but only for the roof structure itself. Interior damage is often the homeowner's problem.
The full answer
In most condominium and townhome HOAs, the roof is a 'common element' maintained by the association. The HOA is responsible for repairing the leak source.
However, damage to interior finishes, drywall, flooring, and personal property is typically the homeowner's responsibility — that's what your HO-6 (condo) policy is for.
Always file the claim with both the HOA's master policy and your own carrier on the same day. Let the adjusters sort out subrogation.
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Last updated May 2, 2026. Educational content only — not legal advice.