California HOA - Pipe leak in shared wall - Interpretation of CC&R

A pin hole in a pipe that delivers water to my unit caused water damage to my unit and my neighbors. This pipe is installed vertically and likely delivers water to my upstairs bath. The hole was roughly 3 inches above the slat. The pipe itself is not accessible from my unit, as it is located behind my stairwell. Issue: the neighbor claims I am responsible for her damage. The HOA claims they hold zero responsibility. My insurance claims the HOA is responsible. I've placed a copy of the CC&R on dropbox here: https://www.dropbox.com/s/3yq6vi4wghqde4e/Southern%20California%20HOA%20CCR.pdf?dl=0 Definitions and pages of interest: Common Area - 4 Unit - 11 Fire and Casualty Insurance - 24 (what the HOA is responsible for = Comn area) Repair & Maintenance - 30-32 (what the owner is responsible for = Unit) The way I read this, yes, the owner is responsible for plumbing in his UNIT. However, the definition of unit seems to exclude common area, which would be the wall we share. Thoughts?