When considering, in a condo, who is responsible for plumbing, the general rule is that condo owners are responsible for any damage that occurs within the condo while it’s the HOA’s responsibility to deal with damage outside of the condo. Therefore, if there is any damage done to the floor and walls of the unit that may have been due to a plumbing issue, the condo owner would need to pick up the tab. The same goes for any plumbing appliances such as toilets, sinks, tubs, etc. However, the pipes of the plumbing system are located in the walls of the building outside the unit. They are considered a part of the common area of the building. Hence, if a pipe bursts, it is the association’s responsibility to fix it.