Who pays for roof repairs in a townhouse?

If the HOA owns the roof under your CC&Rs, the association writes the check. Money comes from reserve funds or a special assessment billed back through monthly dues. If the CC&Rs assign the roof to the individual unit owner (common in some Treasure Coast villa communities), you pay directly. Insurance proceeds follow ownership: an HOA master policy reimburses the association; an HO-6 or HO-3 owner policy reimburses the owner. A special assessment for roof replacement typically runs $4,000 to $12,000 per unit on a 2026 Treasure Coast project. The range depends on building size and material. FoxHaven structures HOA and multi-family bids as per-unit line items so the board can communicate cost to residents clearly.