Yes.
Take your address to your local land-use hall of records to discover the name of the association where you purchased your property.
Property Owners' Association (similar to Homeowners' Association)
If the subdivision is subject to a Declaration of Restrictive Covenants that include a homeowners' association then your property is subject to mandatory membership.
No. No one is liable for an act of nature. The Homeowners Association's master insurance policy should cover damage to property owned by the association.
A homeowners association cannot be a mandatory association without the consent of 100% of the property owners in the development attempting to establish an association. In addition to the consent of the property owners, the association must follow certain procedures and file the proper documents in order to subject the property to the association's rule.
Homeowners association Disclosure
Depending on where you live -- state laws may vary -- there may be an association, but it has been formed by the property developer. The developer may be the only officer in the association.You can check with the Secretary of State under the formal name of the association, to discover the names of its officers.
An involuntary lien would be a judgment lien by a creditor, a lien for unpaid property taxes or income taxes, a demolition lien, a lien for unpaid common expenses or homeowners association dues or a mechanic's lien. Contrast that with a lien you granted in your property such as a mortgage which would be a voluntary lien.
Steps homeowners can take if the HOA is falling down on the job of maintaining the property.
A civic association gathers and operates around a civic principle. A homeowners association is a land-use covenant made with the local municipality, county and state that gathers and operates real estate around a set of covenants, conditions, restrictions and reservations. Generally, membership in a civic association is optional; membership in a homeowners association is mandatory when a person purchases property within the boundaries of the association's land plat.
An assessment lien is a legal claim on an owners property for collateral against delinquent assessments for a homeowners' association. They are provided for in the governing documents of an association.
Association counsel -- or the attorney who help the association place the lien, can help you release it, or instruct the owner as to how to go about this action.