Singapore HDB Ceiling Leak Nightmare: Who Pays for the Waterproofing, You or the Town Council? A ceiling leak in your HDB flat is more than just a watermark; it’s a terrifying sign of impending damage, a risk to your electronics, and a source of constant stress. Before you rush to call a contractor or point fingers, you need to understand one crucial thing: In an HDB flat, the person responsible for the repair depends entirely on the location of the leak. Here is the definitive guide to who is responsible, who pays, and the invaluable scheme that makes fixing it more affordable. Scenario 1: