Real Estate Law
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I hate to say it, but if it was your shower that leaked and caused the damage, since this is not a common element under the control of the HOA, then you are responsible for your repairs as well as the repairs of the downstairs tenant.
When someone's personal property (i.e. the shower) damages another person's personal property (i.e. the ceiling) then they are responsible for the cost of any repairs. It is similar to a car wreck....if you back into someone else's car and dent their bumper, you are liable.
Unless the HOA considers the shower a "common element" that they are responsible in the Bylaws for maintaining, (which is pretty unlikely) then you would bear your own costs for repairing your own shower. As a general rule, the HOA is only responsible for common elements like water lines in the walls that service multiple units. But you would need to review your Bylaws and CCRs to see if they might cover the shower as a common element just to make sure..
Yes, this is under the general common law of tort liability that applies equally in any state. It wouldn't help customers much if they were being given information that wasn't applicable to their state.
The only thing that would affect this is if your HOA specifically stated in its Bylaws that the shower was something that they were responsible for maintaining. But generally, anything inside the walls of an apartment or condo is the responsibility of the owner..