how pays for the clogged pipes

Our CC&R are a little vague on this subject, and HOA end up paying for most of the clogged pipes.
Is it common for HOA to pay for clogged pipes. An argument can be made that even if a drain pipe is owned by HOA, it is the homeowner who is sending stuff down the pipes, so they should pay the plumber bill if the clog is simply from regular use.
It is understandable that if the pipe if broken or twisted due to tree-roots, and that results in clog, then HOA should take care of fixing that.

Should CC&R address this particular issue.

The best way to end clogged pipes is to ban garbage disposals. I've talked to many plumbers who "love" garbage disposals. They make sooo much money from service calls for pipes.

MS9:

Two months ago we had all the sewer lines in our community jet cleaned. One of our homeowners had complained about their toilet in the basement backing up.
The Board of Directors decided to have a private service company put a camera down all the lines in the community. They found everything from diapers, motor oil, and almost anything you could think of.
Normally the homeowner is responsible for their lines from the house to the street where the main line is located. We are a Private Community, and pay everything which includes water, and sewage. We receive no freebees except trash pick-up from the county.
Although the terra cotta pipes leading from their home to the main line was broken by the roots of a tree they had planted in their front yard, we decided to pay for the claning of their line as well.
The cost for the cleaning of the homeowners line would have been almost $600.00, but we were only charged $12,000 for the entire system cleaning.
Bottom line answer from us is that the line from the home to the main line is the responsibility of the homeowner, and the main line is the responsibility of the HOA.

Jim