It is important that every owner maintain his or her unit so that it does not leak, but sometimes accidents occur such as overflowing tubs, leaking pipes, or showers with failing caulk or grout. If a leak originates in a unit, it is the responsibility of that unit owner to fix the problem and any damage caused to other units or to the common elements. If a leak originates in a common element, it is the Association's responsibility.
If your neighbor above is leaking into your unit, vice versa, you will need to work with your neighbor to resolve the issue. In an emergency situation, the Association may need to enter a unit to avoid further damage, which is a major reason why contact phone numbers and keys are needed for all units.
Remember that the Association's insurance does not cover repair or replacement of your personal possessions or the upgrades you may have installed in your unit. See the article on insurance for more information.
Steve Rugen