Who is responsible for car damage caused by pipe that leaked in garage and does immediate pipe repair waiver responsibility

$1200.00 damage-- The HOA (I rent) has a rule that IN ABSENCE OF GROSS NEG. OR WILLFULL MISCONDUCT -THE HOA IS NOT RESPONSIBLE. - The pipe has a buildup of rust(1/4 in) where the leak is, which shows it has been building for some time, before leaking. Supposedly other people's cars were damaged over the years and they used the same excuse. I say FAILURE TO MAINTAIN/INSPECT pipes regularly is NEGLIGENCE -instead of waiting for damage to happen 1st, then repair and say they are not responsible. There is cobwebs/dust buildup all over the pipes. There is no way through a ROUTINE INSPECTION/MAINTENANCE this could have been missed as I am sure it took quite awhile for this rust to buildup/leak. Day 3 no pipe repair yet. They say take it to my car ins. co. which penalizes me for claims.