HOAs are all different as to what they cover. Higher end Condo and Developments may cover everything at the outside. The grounds, roof and all things exterior. Those are the ones Charging most likely $200 + in monthly dues. However lower end HOA’s although in general they may be responsible for things like the roof, common grounds or the exterior of the home they may assess a special extra charge such as when roofs need to be replaced throughout the complex or when the exterior is in need of repainting etc. These are the ones that charge maybe something like $40 a month in dues.
The only way to know is to read the paperwork. I will normally when inspecting the exterior of the home will include and comment on the roof in the general area of the unit I am inspecting even if the unit I am inspecting is at a lower level.
If I run across something at the exterior that needs correction I may advise them to check if it is covered by the HOA (however still needs to be corrected). Also if I run across issues at the outside that may affect my client I will report on it especially if it is a safety issue. (I’m not myopic to only the inside of the unit).
It is up to the client and their agent to find out who is responsible for some of these (exterior defects or issues) as we do not have access or the time to wade through multiple pages of an HOA’s legalese written by lawyers.
In short; Don’t just assume that something is covered by an HOA as it may be a financial burden to your client if you are mistaken.