How HOA’s and COA’s Impact Property Damage Claims
Anyone who has ever lived in an Homeowners Association (“HOA”) or Condominium Owners Association (“COA”) community will start off with the upsides: my yard work is taken care of, there is a gate that makes me feel secure, the homes are all close together so there is a greater sense of community, I don’t have to maintain the community pool or gym, the homes all have to meet a certain standard that regulates our property values, etc. People often try to leave out the downsides like ordinance violations, trouble finding parking for visitors, seeking association approval before making repairs or improvements to your own home, etc. Moreover, in many communities the HOA and COA rules, regulations, ordinances, and declarations can cause serious problems for homeowners, especially if they have a property damage claim.