Generally, who is responsible for water damage depends on where the damage has occurred. HOAs are usually responsible for water damage that has occurred in the common areas. Likewise, homeowners must take care of water damage occurring in their own homes. In some instances, the HOA or homeowner may be responsible for water damage if it came as a result of their negligence. It may also be the HOA or homeowner’s responsibility if the water damage started from either party’s area of responsibility.