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5% in the US. Putting in my notice tomorrow!
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I’d call both asap and just see who can get there first.
Coach
HOA first
Coach
First thing you do is limit the damage. Get someone to remove water and dry it out before you get mold. There are companies the specialize in this. Call them immediately and worry later about who will pay for it. Also did the water leak from the roof or from the ground? Rising water is flood damage and only covered by a flood policy. Do you have your own insurance? Damage to your contents might not be covered under the associations master policy. That might be on you.