Who Pays? HOA vs. Owner Responsibility
See whether the association or the owner typically pays for a repair — and how your documents and state law decide the edge cases.
Are Windows Covered by HOA? Frame, Glass & Leak Rules
Are windows covered by your HOA or condo association — the frame, the glass, or a leak? See who pays in condos vs. single-family HOAs, and what to do about a leak.
Does HOA Cover Roof Leaks? Who's Responsible?
Does HOA insurance cover roof leaks? Usually yes for the roof itself in condos — but interior water damage typically falls to your own HO-6 policy.
HOA Road Maintenance: Who Pays for Private Roads?
Who is responsible for road maintenance in an HOA — private vs. public roads, how to check ownership, who pays for repairs, and common disputes.
Is HOA Responsible for Drainage & Flooding?
HOA vs. homeowner: who pays for drainage problems, storm drains, and retention ponds, and who's on the hook when flooding causes damage to your lot.
Is HOA Responsible for Foundation Issues? Who Pays & Costs
Is your HOA or condo responsible for foundation cracks and structural repairs? See who pays, real repair cost ranges, and when it falls on you instead.
Is the HOA Responsible for Balcony Repairs?
Is your HOA responsible for balcony repairs? Why balconies are limited common elements, how the structure-vs-surface split works, and inspection laws.
Is the HOA Responsible for Fence Repair?
Is your HOA responsible for fence repair, or the homeowner? It depends on whether it's a perimeter fence, a lot-line fence, or one inside your lot.
Is the HOA Responsible for Gutters? Who Maintains Them
Is your HOA or condo association responsible for gutters and downspouts? Why gutters are usually a common-element exterior component — and when they're not.
Is the HOA Responsible for HVAC or AC?
Is your HOA responsible for your HVAC, AC, or water heater? Why in-unit mechanical systems are almost always the owner's, with one common exception.
Is the HOA Responsible for Lawn Care?
Is the HOA responsible for lawn care, or does that fall on the owner? How it splits between common areas and individual lots, and what your CC&Rs decide.
Is the HOA Responsible for Mold?
Is your HOA responsible for mold? How mold responsibility follows the water source, and why master policies cap or exclude mold remediation.
Is the HOA Responsible for Pest Control?
Is your HOA responsible for pest control and termites, or is it the owner? How it splits between common areas, individual units, and structural damage.
Is the HOA Responsible for Sewage Backup?
Is your HOA responsible for a sewage backup? How responsibility splits between the shared main line and your unit's branch, plus sewer-backup insurance.
Is the HOA Responsible for Sidewalks?
Is your HOA responsible for sidewalk repair, or the city or homeowner? How it splits between community walkways, public sidewalks, and trip hazards.
Is the HOA Responsible for Snow Removal?
Is your HOA responsible for snow removal on roads, sidewalks, and driveways? How it splits between common areas and private drives, plus liability.
Is the HOA Responsible for Tree Root Damage?
Is your HOA responsible for tree root damage, fallen trees, or tree removal? How responsibility splits between common-area trees and trees on your own lot.
Is the HOA Responsible for Water Damage?
Who pays for water damage in a condo or HOA — the association or the owner. How the source, the master policy, and your HO-6 decide it.
Is the HOA Responsible? 9 Common Repairs, Answered
Is the HOA responsible for the chimney, garage door, mailboxes, rodents, or a sprinkler system? Quick answers for 9 common repair questions.
What Is an HOA Responsible For?
What an HOA or condo association is responsible for vs. the owner — a room-by-room maintenance matrix for roofs, pipes, fences, pest control, and more.
Who Is Responsible for Pipes in a Condo?
Who pays to repair pipes in a condo — the association or the owner. The rule for pipes in the walls, pipes serving one unit vs. many, and how to check.