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Blog · August 17, 2026

Who Owns Which Pipe? A Checklist for Townhome Owners and HOA Boards

By Matt TorresPublished August 17, 2026

Aliso Viejo is an HOA city. Most of us live under one association or several, and a huge share of the housing is attached: townhomes, stacked condos, shared walls and shared risers from Audubon to Vantis. Which is why the question I get asked at more kitchen tables than any other is not technical at all. It is: whose pipe is this? The answer decides who pays, and almost nobody looks it up before the ceiling stain forces the issue.

The stakes are not hypothetical in South County. Television news reported on hundreds of area homes facing damaging pinhole leaks as our imported water's chemistry pits copper pipe from the inside, coverage that grew out of years of litigation in communities south of us. Attached housing concentrates that risk: the same era of copper runs through every unit in a building, so when one owner gets their first pinhole, the building got its first pinhole.

Who Owns Which Pipe? An HOA Townhome Plumbing Checklist

Source The ABC7 report on the pinhole era is worth every owner's five minutes: Hundreds of OC homes could face possible damaging leaks from holes in pipes.

The ownership checklist, before anything leaks

Checklist: For owners: one hour with your governing documents

  • Find the maintenance matrix in your CC&Rs (it is usually an exhibit near the back) and read the plumbing rows. Note where responsibility splits: commonly at the wall, at the unit boundary, or at the branch off a shared riser.
  • Confirm which insurance responds to water damage in your unit versus the structure. The HO-6 versus master policy gap is where five-figure surprises live.
  • Locate your unit's shut-off, if one exists, and the building's. If your unit cannot be isolated alone, that fact belongs on your emergency plan, not in your discovery process.
  • Photograph your water heater, its age sticker, and its pan and strapping. In attached housing, your heater's failure is a neighbor's claim.

For board members: the building-level version

Boards inherit the harder edition of the same homework. A community plumbed in one construction season ages as one organism, which is exactly what I wrote about when the pinhole coverage came up in March. The useful board questions: how many leak claims has the association seen in five years, and are they clustering? Has any building been repiped, and what did it actually cost? Is there a standing relationship with a plumber who knows the buildings, or does every incident start from scratch at emergency rates? A board that can answer those three is governing its pipes. A board that cannot is being governed by them.

This is the reason HOA and townhome plumbing is its own service line for us rather than a footnote, and why we keep building-by-building records across the communities we serve. Attached housing is a great deal in this county right up until the era of copper behind everyone's drywall comes due, and whether that arrives as a managed project or a cascade of emergencies is decided in exactly one place: the homework nobody is forced to do yet. Do the hour. Your future ceiling thanks you. If a board wants a starting point, we will walk a building with a camera and a pressure gauge and hand back a plain-English snapshot: what era the pipe is, what the pressure is doing, which components are original, and what the next five years most likely hold. No commitments attached. An association that knows those four facts about every building it governs has already done more than most, and it negotiates its eventual projects from knowledge instead of from a flooded unit at midnight.

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