HOA rules: 9 common violations that can cost you

When it comes to purchasing a new home, you might find yourself exploring properties within a homeowners association, or HOA. These associations play a crucial role in managing community properties and common areas, enforcing rules known as covenants, conditions, and restrictions (CC&Rs). While some see HOAs as guardians of property values, others view them as stringent neighborhood enforcers. Regardless of your stance, understanding and abiding by HOA rules is essential. In this article, we’ll delve into the most common HOA rules, potential consequences for violations, and how to navigate them effectively.

What is an HOA?

A homeowners’ association comprises community property owners responsible for managing shared spaces and common areas. Adhering to rules outlined in the CC&Rs is mandatory for all homeowners, along with paying the associated fees. Benefits of belonging to an HOA may include landscaping, exterior maintenance, trash pickup, and safeguarding property values.

Common HOA Rules Violations to Avoid:

1. Landscaping: Maintaining curb appeal is a priority for HOAs. Rules regarding overgrown lawns, weeds, and exterior upkeep are common. Familiarize yourself with guidelines on permissible trees, plants, and shrubs.
2. Vehicles and Parking: HOAs often regulate the number and types of vehicles allowed on the property, including RVs, boats, and commercial vehicles. They may also impose speed limits and specific parking rules.
3. Renting Out Your Home: Subletting may have restrictions due to security and insurance concerns. Obtaining written permission, and possibly joining a waitlist, might be required.
4. Trash Pickup: Improper disposal of items or leaving trash cans out for extended periods can lead to violations. Adhering to specific guidelines for trash removal is crucial.
5. Exterior Storage: HOAs may limit outdoor storage of equipment or require items like bicycles and kayaks to be kept out of sight.
6. Pets: Pet regulations often cover leash laws, designated walking areas, and limits on pet ownership, breed, and size.
7. Noise: HOAs typically enforce quiet hours to ensure a peaceful community environment.
8. Holiday Decorations: Rules regarding the timing, size, and type of exterior decorations may be in place.
9. Design Changes: Any alterations to the appearance or structure of your home, such as painting or adding structures, may necessitate approval from the HOA’s design review committee.

Consequences of Non-Compliance:

While an HOA cannot force a homeowner to sell, they can impose fines for violations. Failure to pay fines may lead to accumulating late fees and the possibility of a lien on your property.

Addressing HOA Rule Violations:

Ignoring a violation is not advisable. Take steps to understand and rectify the situation promptly. Communicate with the HOA property manager, providing any necessary context or exceptions. Consider written communication for clarity.

Conclusion:

When considering a home within an HOA community, it’s vital to familiarize yourself with the association’s rules and regulations. Proactive compliance ensures a harmonious living environment and helps preserve property values. By understanding and respecting HOA guidelines, you can enjoy the benefits of a well-maintained and thriving community.