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Homeowner left with massive expenses after HOA ignores critical problem: 'They dragged their feet responding'

"Start with your insurance. Worry about attorneys later."

One Redditor shared how their HOA's inaction allowed a hidden slab leak to ruin kitchen floors, damage walls, and threaten potential mold growth.

Photo Credit: iStock

When a small leak turns into a flood, the damage can be devastating — especially when the people meant to help refuse to act. A post on the r/legaladvice subreddit, shared by an Oklahoma City homeowner, described how their condo association's inaction allowed a hidden slab leak to ruin their kitchen floors, damage walls, and threaten potential mold growth.

"We notified our HOA about the potential issue two days ago," the user wrote. "They dragged their feet responding until the leak came into our home today and caused massive damage."

According to the post, the condo complex shares a single water meter for four attached homes — meaning the HOA controls when water can be shut off. The owner said they repeatedly tried to reach their association to stop the flow, but were ignored until the city had to intervene.

"While we were waiting, the water kept leaking into our home, it leaked under all our wooden kitchen floors, through the base boards into the living room, and out the other side of our home into the street behind us," they explained. "Our floors are utterly destroyed, plus God knows about all the water damaged and potential mold because the water is under our floors where we can't get into it."

Across the country, similar stories have emerged as HOAs struggle or refuse to manage essential utilities, leaving residents with skyrocketing repair costs and wasted resources. Poor maintenance and outdated infrastructure can also strain local ecosystems by wasting thousands of gallons of clean water and promoting mold growth that harms air quality.

Experts say homeowners can work with their associations to prevent future damage and push for greener, cost-saving updates. You can petition your HOA to change bylaws, whether it's to modernize irrigation systems, improve drainage, or allow eco-friendly upgrades like drought-tolerant landscaping.

One commenter advised starting with the homeowner's insurance, noting that insurers often pursue reimbursement from negligent HOAs. 

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Another added, "Start with your insurance. Worry about attorneys later.."

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