What does California law say?
Civil Code 4775: unless the declaration (CC&Rs) provides otherwise, the association repairs, replaces and maintains the common area; each owner handles their separate interest; and for exclusive-use common area, the owner maintains it while the association repairs and replaces it.
How do I tell which applies to my roof?
Check how your CC&Rs and condo plan define the roof. In many condominiums the roof is common area; in many planned developments each owner owns their house, roof included. Ask the manager for the relevant section in writing.
What approvals do I need?
Even when the roof is yours, most associations require architectural approval for material and color. Submit the product and color before signing a contract.
What about permits and cool-roof rules?
You still need a city permit, and cool-roof rules may apply depending on your climate zone (cool roof rules).
For your actual price, request a free written estimate: a licensed roofer measures the roof and prices your exact scope.
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Get a free replacement quoteFrequently asked questions
Who pays for a condo roof in California?
Usually the association, if the roof is common area under the CC&Rs.
Do I need HOA approval to replace my roof?
Usually yes for materials and colors; check your architectural guidelines.
What if the CC&Rs are silent?
Civil Code 4775's default rules apply.
Sources
Sources reviewed November 12, 2026. Figures are published estimates and official fees, not quotes. Confirm prices, permits and requirements with your contractor and building department. This page is general information, not legal or insurance advice.