From Davis-Stirling, A Reader Wants to Know About Tile on a Balcony...

Yes yes, who pays for balcony damage? Well, I won't wax philosophical on that,

but I'll tell you that we can fix 'em after.See our highest ranking page about tiled decks here

 http://centralcoastwaterproofing.com/tile-deck-waterproofing/

WHO PAYS FOR 

BALCONY DAMAGE?

QUESTION: Who is responsible for paying for the deck when the 

owner tiled it without approval? The HOA or the owner?

ANSWER: The owner. However, the owner could have some defenses

 depending on the situation. To minimize any defenses (or avoid the 

problem altogether), boards should adopt written rules and regulations

 regarding the tiling of balconies and then strictly enforce those restrictions. 

Associations should either (i) ban tile altogether or (ii) implement tough

 installation guidelines pursuant to a consultant's specs written specifically

 for the association. In addition, the association should record a covenant 

making the owner (and future owners) responsible for all maintenance and 

damage that may arise from the installation of the tile.

Reprinted from 
Davis-Stirling.com byAdams Kessler PLC