It is probably good that a property manager be involved as they have a different perspective than everybody else. They may be biased toward certain things but everyone else would balance them out.
Without a state listing, this will be a tough question to answer. You can ask anyone on the board of this association, or any property owner, who should have or be able to get that information for you.
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.
Steps homeowners can take if the HOA is falling down on the job of maintaining the property.
If the title 'Homeowners Association' refers to an actual association, then yes. It is the name of a registered association, and is therefore a proper noun. All proper nouns should be capitalised.However, if it is used as a general term, e.g. "Are you part of any homeowners association?" then it does not require capitals.
Read your governing documents to determine the location and size of any for sale sign allowed in your community. The association may be able to restrict its placement and size, but forbidding it could be considered unreasonable.
As long as it is legal and you have no liens on it.
Generally, associations are defined in the land-use documents filed by the developer at the time the property was originally developed. As well, an association may choose to be a corporation, in which case, this notification is filed with the secretary of state. There should be no secret in public records that an association exists.
You should get homeowners insurance when you purchase a home to protect your property and belongings from unexpected events like fires, theft, or natural disasters.
If the homeowners' association has recorded covenants and/or bylaws against the home in question, and the dues required by the covenants and/or bylaws have not been paid, a lien can be filed immediately in most cases, regardless of foreclosure or sale of the property. However, to ensure that the lien paperwork is filled out correctly (and avoid thousands of dollars in attorney fees should the homeowner challenge the lien in court), the homeowners' association should hire an attorney to prepare the lien documents.
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.
Answer: The powers of a Homeowners' Association are set forth in the instrument that created the Association. There should be a copy recorded in the land records.
You should be able to obtain a copy of the association's certificate of insurance from a board member or the property manager. The certificate is issued by the company that carries the association's master insurance policy. The copy you want may be a document that your lender requires.