Read your governing documents to determine your responsibility to pay assessments, and review your annual budget to learning more about the operating expenses for your community.
If additional fees are charged for amenities and you choose not to use them, you are not subject to these additional fees.
However, if amenities are included in your ownership share and your assessments pay for the operation of these amenities, then you owe the assessments.
If you choose not to pay assessments, the association has a responsibility to collect them from you. Their actions may include letters, liens and worst case: foreclosure.
Usually, no. It's really a matter of local ordnance. It might be against the policies of a homeowners association, though.
Probably, yes. Your question is really what can the association's agent/ director say about you in such a telephone call. Your local and state collection laws apply in this case.
No. For one thing you don't sue the insurance company you file suit against the homeowners association. It is doubtful that you will have any claim unless you can prove that they did something negligently that caused the damage on your property. Really you should have had a flood policy if you are in a flood zone or low area and that would pay for your property damage. I also don't understand how the stream runs under your home.
A homeowners association is a collection of real estate owners who own individual properties and own common areas in common with all other owners. A civic association does not presume real estate ownership, but rather, organizes to demonstrate civic pride, often over a neighborhood.
It is an association that is secret and is really cool.
That could be completely dependent on the individual. It may be worth the money to some but not to others. It really depends on how much you are willing to spend and what ammenities will be included.
No. But they can apply for it provided the documents about the property that they really own.
Your answer depends on the nature of the association and the reputation of the treasurer. Really, you're asking about the person who handles assessments and invoices and checks. Money is at the heart of any association, and every board is advised to form a finance committee -- as a form of checks and balances, to oversee association accounts. It's far too easy for the person with a signature on an association bank account -- regardless of that person's position -- to abscond with association funds. The horror stories are endless -- individual losses in the hundreds of thousands, even millions. As well, the association may not be insured for such a loss. Rare is the association that can afford such a financial hit. The savvy board understands its financial vulnerabilities and takes steps to protect its cash assets.
It may, You really just need to discuss it with your Insurance Agent. Some homeowners policies do provide coverage for certain types of Sink-age and some do not.
A lien can be placed against your interest in the property. You REALLY need to talk with a lawyer who may be able to negotiate the amount due on your behalf. Check with your local bar association for a referral.
It really likes them
I don't really understand what you would expect the homeowners policy to pay for in this situation. Homeowners insurance is not life insurance and does not provide any type of such coverage.