I would say that the answer is a big fat “Yes!” Unless the governing documents are written such that insurance coverage is provided as a responsibility of a party other than the HOA, such as the developer or the individual owners, then there are a number of problems – see more below and the following note [...]
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Smoking is an emotional subject. When someone is addicted to something legal they will naturally fight for the right to do it. It’s hard not to. Here is a recent email from a website reader (and smoker): “Hello! I have read your comments about smoking and agree, in general, that smoking should be banned in [...]
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