My back yard neighbors live on a private street with an HOA. When the city water pressure went high for a brief period of time, they were one of the few places to have water lines burst. Their private supply lines were not of the same rating as the city lines that supply similar neighborhoods. Since this was private, this HOA was on the hook for ripping up the street, repairing water lines, and fixing their street. Being a customer that doesn’t normally need such services, the fix was done a couple months after the water lines break. They had a week or so with no water and many weeks of water being fed to their homes via hoses connecting a fire hydrant and the spigots they would normally use to get water outside.

They were so lucky this happened in the summer. In the winter, the hoses would have frozen solid.

These folks were very sad the city’s water utility couldn’t do the work. They fix water main breaks within a couple days, usually the same day.