In the case of roof damage shared by multiple owners who are all members of the same Homeowners Association (HOA), whomever caused the damage is liable for repairs. If it cannot be determined which owner specifically caused the damage, then the HOA or its insurance policy may cover the repair costs. If no HOA exists and/or there is no insurance policy in place, liability will likely fall on those responsible for maintaining and repairing the common areas, such as a property management company or homeowners board. In order to determine specific ownership rights, it is important to review any existing documents associated with the property that outline these details.