11 Insane Homeowner Association Horror Stories (2023)

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    11 Insane Homeowner Association Horror Stories (1)Dan Stout

    11 Insane Homeowner Association Horror Stories (2)Nick GerhardtUpdated: Apr. 27, 2023

      Who knew battling a homeowners association could mean having to go to court?


      11 Insane Homeowner Association Horror Stories (3)Suzanne Tucker/Shutterstock

      Lawn Care Gone Wrong

      A 2014 story by The Mercury News reported that Fran Paxon got hassled by her homeowners association when she replaced her old lawn with drought-resistant plants. As California dealt with a drought the homeowners association fined her $50 a month until she put lawn back in 25 percent of her front yard, the article said. The homeowners association board said her lawn-free yard would decrease property values in the area. The kerfuffle came even after California passed a law that prohibits homeowners associations from fining homeowners whose lawns dry out in droughts.

      If you’re not in a drought area, follow these tips to achieve a lush lawn.


      11 Insane Homeowner Association Horror Stories (4)Leandro Marques/Shutterstock

      The Scandalous Swing Set

      The first of our horror stories takes place in 2013, when a family in Missouri installed a backyard swing set and finished the wood with a muted purple stain. They thought the finish would go nicely with the purples and reds of their trees in the Fall. Unfortunately, their HOA found it unacceptable. What followed was an escalating series of fines and letters threatening legal action and even jail time, all over a swing set color choice. Once the case actually got to court, the judge quickly ruled in favor of the homeowners, and they kept their swing set.

      As mentioned in this Consumer Affairs write-up, the family celebrated with a victory barbecue, which was also attended by their neighbors—the very homeowners that the association supposedly represented. The family in this story was able to stand up and fight, but if you belong to an HOA, then you may want to make sure your potential swing set project meets their criteria. Here’s a list of 12 backyard swings everyone will enjoy. Just be sure to run them by your HOA before you get started!


      11 Insane Homeowner Association Horror Stories (5)michelmond/Shutterstock

      Bureaucratic Nightmares

      When Angela and Jason Mitchell’s home was destroyed in a fire, they knew it would take time to rebuild their lives. They never dreamed that it would take nine months to simply get their HOA to accept their new home’s design. As detailed in this Houston Chronicle article, the disputes began over details as simple as brick color, and devolved over time into increasingly open to interpretation HOA regulations.

      Consult the article “How to Prevent Home Fires” to help lower the chances that you’ll ever have to deal with this kind of nightmare.


      11 Insane Homeowner Association Horror Stories (6)PEPPERSMINT/Shutterstock

      Banning Support Animals

      There are a number of recurring themes in many of the horror stories about HOA abuse. Sadly, one of these recurring themes is that the victims of the HOA’s tactics tend to be among the most vulnerable populations, including the elderly and infirm. The Orlando Sentinel has reported on the ongoing struggles of Robert Brady, a 70-year-old Vietnam veteran, to keep his dog Bane. Although Brady has resided in the complex for 45 years, and has a Veterans Administration document stating that the dog helps keep his mental-health issues in remission, the HOA states that any dog weighing more than 35 pounds is prohibited. Bane weighs 40 pounds.

      If this story makes you want to give your own dog or cat a little extra attention, here are 40 projects to show your pet some love.


      11 Insane Homeowner Association Horror Stories (7) flysnowfly/Shutterstock

      Flag Battles

      Once again, one of the parties in this story is an elderly veteran. Fred Quigley served in Korea and Vietnam, but he never ran into a problem flying the flag until he moved into a retirement home near Macedonia, Ohio. When he installed a 15′ flag pole to display his flag, he quickly ran into a backlash from his HOA. It’s true that the HOA requires any flags to be displayed from a stanchion attached to the home. But as is often the case in horror stories like this, the reaction seems to escalate, until the penalties are wildly out of sync with any supposed infraction. The dispute between Quigley and his HOA soon appeared on the national news, and the association eventually dropped its demand that the pole be removed.


      11 Insane Homeowner Association Horror Stories (8)Roschetzky Photography/Shutterstock

      Insane Legal Fees

      The next of our HOA horror stories comes from Fairfax, Virginia. And as is often the case, it begins with something small: a political yard sign that was four inches wider than the community rules allowed. This small battle led to problems between the homeowners and the HOA over a roof and deck. As the animosity and bickering escalated, resulting in a legal battle that eventually drained an astonishing $400,000 from the HOA’s coffers. Now bankrupt, the HOA was forced to sell the large common area in the middle of the community, the patch of land that not only gave the community its name, but served as its emotional heart. All because of a 4-inch difference. There’s never been a better argument for knowing how to use a tape measure!


      11 Insane Homeowner Association Horror Stories (9)Olivier Le Moal/Shutterstock

      Fraud and Embezzlement

      Sometimes, homeowner associations don’t just struggle with matters of poor judgment, they struggle with outright fraud. For example, a Florida couple who had been longtime officers of their homeowners association face charges of using more than $339,000 of HOA funds for personal expenses. The most disturbing part of that case is that all of those funds came from the wages and savings of member homeowners who made regular monthly payments into the HOA. Unfortunately, their trust and good faith were ultimately betrayed.

      Avoid being the subject of one of these horror stories by asking questions at association meetings, and making sure that the HOA books are being audited. Much like theft-proofing your home, a little bit of vigilance can make fraudsters and crooks look for an easier target.


      11 Insane Homeowner Association Horror Stories (10)komkrit Preechachanwate/Shutterstock

      Negligence and Structural Issues

      Another type of betrayal tends to occur in apartment and condo complexes when HOAs don’t perform their due diligence when it comes to paying for community maintenance. Cutting corners keeps money in the pockets of the HOA in the short term, but postponing needed maintenance is always a losing game in the long run. Residents in a Kansas City neighborhood found out the hard way that their HOA dues weren’t being used to make needed repairs. According to a whistle-blower, the property management company failed to make proper repairs to building foundations and structural framing, choosing instead to bandage over the problems with a new coat of stucco (which of course added immense weight to already-weakened buildings). This placed residents and their belongings in danger of sudden failure. There’s just no excuse for not repairing structural elements correctly!


      11 Insane Homeowner Association Horror Stories (11)wk1003mike/Shutterstock

      Rainy Day Funds

      Often the root cause of those corner cutting horror stories is a failure of the HOA to set aside enough rainy day funds to cover capital expenditures. Whether it’s a condo or apartment complex where the HOA is involved with all exterior work or a single-family home HOA that needs reserves to deal with common areas and administrative costs, if the cash isn’t available when it’s needed, it’s only a matter of time until the whole house of cards collapses. This problem is so prevalent, the Kansas City Star has posited that it may be the next housing crisis.

      Although DIYers tend to think of different tasks when it comes to “rainy days,” the only solution an HOAs insufficient rainy day fund is to boost the fees that homeowners need to contribute. That’s rarely popular, and can cause a problem of its own: skyrocketing fees.


      11 Insane Homeowner Association Horror Stories (12)fizkes/Shutterstock

      Skyrocketing HOA Fees

      Maybe it’s because of neglected maintenance coming home to roost, or maybe it’s because of legal fees stemming from what should have been a trivial by-law violation. Whatever the reason, once an HOA is in a financial hole, the only way out is to rely on the member homeowners, either in a one-time levy or with increased regular monthly fees. The problem is that hiked HOA fees can radically change the economics of buying a home in the community, as demonstrated in this Forbes article.

      In addition, for homeowners who are living on limited means, even small fees can result in legal action, and attorney’s fees heaped on top of the pile. Add that to the many tiny home disasters waiting to happen, and it’s no wonder that many homeowners aren’t able to stay afloat.


      11 Insane Homeowner Association Horror Stories (13)Andy Dean Photography/Shutterstock


      Once a homeowner is behind on HOA dues, the association can proceed with a foreclosure. In some states, HOAs don’t even need to follow the same process as banks, and it’s possible for a homeowner who owns a home free and clear to lose their home due to a tragically small amount. The International Association of Certified Home Inspectors points out that homeowners foreclosed on by banks typically carry debt of $190,000, according to a 2001 study by Sentinel Fair Housing. The same study found that homeowners foreclosed on by HOAs owe an average of just $2,557.

      An 83-year-old Houston woman owed her HOA $4,000. Her home was seized, and sold for just $5,000. Almost all of that money went to pay the HOA attorney. Not all HOAs are corrupt or incompetent, but there’s a reason that researching a potential HOA membership is consistently listed as one of the ten things people regret overlooking when buying a home.

      Originally Published: March 21, 2021

      11 Insane Homeowner Association Horror Stories (14)

      Dan Stout

      Ohio-based freelance writer and author Dan Stout is a former residential remodeler, commercial site supervisor and maintenance manager. He’s worked on nearly all aspects of building and DIY including project planning and permitting, plumbing, basic electric, drywall, carpentry, tiling, painting and more. He also publishes noir fantasy thrillers, including The Carter Series, from Penguin imprint DAW Books.


      How do you deal with an awful HOA? ›

      How to Handle HOA Complaints Like a Pro
      1. Step 1: Understand and Acknowledge. ...
      2. Step 2: Check the Law. ...
      3. Step 3: Check Your Governing Documents. ...
      4. Step 4: Discuss with the Board and HOA Manager. ...
      5. Step 5: Communicate the Resolution.

      How do I file a complaint against an HOA in California? ›

      The HOA's rules, commonly referred to as Covenants, Conditions and Restrictions (CC&Rs)
      To submit a complaint, please do the following:
      1. Fill out and send the complaint form. ...
      2. Please attach copies of supporting documents. ...
      3. Please include a copy of your written request(s) to the HOA as well as the HOA response letter(s).

      How do you get around an HOA? ›

      How to Get Out of an HOA
      1. Sell your house. When an HOA becomes an unpleasant presence in your life, the simplest thing to do may be to sell your house and leave. ...
      2. Invoke a de-annexation clause. ...
      3. Wait for the HOA or membership to end. ...
      4. Grandfather out. ...
      5. Organize to dissolve the HOA.
      Jan 8, 2022

      How do I write a dispute letter to an HOA? ›

      Here are the steps and tips for writing HOA violation letters.
      1. Clearly Explain the Purpose of Your Letter. ...
      2. Give Proof of the HOA Violation. ...
      3. Request Changes Required to Resolve the Violation. ...
      4. Outline a Reasonable Timeline for Necessary Changes. ...
      5. Provide Details of Disciplinary Hearing if Needed. ...
      6. Consult Governing Documents.
      Jun 15, 2022

      What are the unenforceable HOA rules in California? ›

      HOA's cannot: Discriminate against any homeowners based on their skin color, familial status, national origin, race, religion, sex, or gender identity. Limit a resident's right to bear arms. Though, in some instances, they can restrict firearms and weapons in community areas.

      Can I sue my HOA in California? ›

      Homeowner may sue in small claims court if HOA does not comply with Civil Code §§1363.03.

      Can HOA enter my property California? ›

      Generally, a member of the HOA community can only enter a fellow member's property for the following reasons: To conduct maintenance work or repairs on a common element. To inspect for violations of the covenants or operating rules.

      Who governs the HOAs in California? ›

      In general, Davis-Stirling governs the creation and planning of new common interest developments and the formation and operation of HOAs and other community associations.

      What is the Davis-Stirling Act California? ›

      The Davis-Stirling Act is an important piece of legislation that governs Homeowners' Associations (HOAs) in California. It was initially passed in 1985 and was designed to provide HOAs with substantial authority to regulate and manage their common-interest developments.

      What does AB 3182 mean? ›

      AB 3182 Prohibits governing document provisions that limit lease terms, except for transient occupancy or short-term rentals, defined as thirty (30) days or less.

      Who governs HOA in Missouri? ›

      If a homeowners' association is a non-profit, as is the case with most Missouri associations, it will be governed by the Missouri Nonprofit Corporation Law. For-profit associations are likewise governed by the Business Corporation Law. Missouri does not have a statutory framework for homeowners' associations.

      Who governs the HOA in Indiana? ›

      The Indiana Homeowners Association Act oversees the creation, management, authority, and operation of homeowners associations created after June 30, 2009. These associations have the power to impose compulsory dues on the members of the community.

      Who regulates HOAs in North Carolina? ›

      Subdivisions with homeowners' associations established after Jan. 1, 1999, are governed by the North Carolina Planned Community Act found in Chapter 47F of the North Carolina General Statutes. However, no state or federal agency oversees homeowners' associations.

      Who regulates homeowners associations in Michigan? ›

      Federal HOA Laws - In addition to state law regulations, the federal government has laws that govern the operation and management of common interest communities, condominiums, cooperatives, and residential properties in the state of Michigan. The Elliott-Larsen Civil Rights Act, or Public Act 453 of 1976.


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