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Law suits against hoa's can be big problems if the awards exceed the insurance the hoa has.
We were part of an hoa in a development in the poconos#
We do our own security patrolling. Well the question came up as to what would happen if security chased some kids out who were on atv's if one was hurt and was awarded more then the insurance.
We were all shocked to find out we were personally liable.
But that was not the shocking part.
The shocking part was the fact that homeowners insurance and most personal liability umbrellas would not cover us as part of homeowners insurance.
They only cover acts caused by you or household members.
I called geico who confirmed they would not cover personal lawsuites caused by the hoa' insurance being exceeded.
They said some insurers offer a rider to cover acts not caused by you directly but they are rare.
The article only mentioned that there had been a 'demand' to clean up.
With a 3 year, rather than a 3 hour case, I have to wonder what the covenents of the HOA state regarding the cleanliness/neatness issue.
Difficult to comment without more actual facts.
Can't stand the HOA's. Let people have some freedom. Obviously you don't need to keep your place trashy, but some of these rules are borderline breaking constitutional rights!
Most HOA Covenants (the ones a buyer signs for and agrees to abide by) will allow the association to come onto your property to correct an issue after you have been given proper notice and you have taken no action.
I believe the "crazy" was given notice to clean it up and she had refused to do so.
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