I would not get a top floor, so no worries about a roof.
I think you missed the point. My point is, if the roof is due to be replaced, and the homeowners association does not have enough money put away for roof replacement, they will charge ALL the owners extra fees to pay for the roof replacement. It's a way to check the financial well-being of the homeowners association, to see if they've been keeping up with or planning for roof replacement appropriately.
