HOA vs Homeowner Responsibility Matrix (Lite

Use this matrix to track who is responsible for each building component in your condo or HOA. Fill in the "Your HOA" column based on your CC&Rs and bylaws.

Component	HOA (Typical)	Owner (Typical)	Your HOA	Notes
Roof	Yes — structure & membrane	No (usually)	___________	Check CC&Rs for leak-origin clauses
Exterior walls	Yes — structure & siding	Interior drywall side	___________	Paint/finish may vary by HOA
Windows	Sometimes — frame/glass	Sometimes — frame/glass	___________	One of the most disputed components
HVAC system	Shared ducting only	Yes — in-unit equipment	___________	Condenser location matters
Plumbing	Main stacks & shared lines	Branch lines from unit shutoff	___________	Leak origin determines responsibility
Electrical	Main panels & common wiring	In-unit wiring & panel	___________	Sub-panel typically owner responsibility
Balconies/decks	Structure & waterproofing	Surface maintenance	___________	Check if "limited common element"
Front door	Sometimes — exterior side	Sometimes — interior side	___________	Replacement specs often HOA-controlled
Garage/parking	Structure & common areas	Assigned space surface	___________	Gates/doors usually HOA
Drywall & paint	No (interior only)	Yes — all interior surfaces	___________	Water damage source matters

Generated from condoworkbook.com. For educational purposes only — not legal or financial advice. Consult your governing documents and a qualified professional for your specific situation.

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