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Homeowner Defenses That Could Be Used in the HOA Foreclosure Process. As an HOA Board member you may be faced with the task of having to make the decision to foreclose on homes in your association. Weâve all been challenged by the financial climate these last few years and it is going to take some time to bounce back.
HOA Master Insurance Policy. Many HOAs carry whatâs known as a âmaster policy.â This policy typically covers the parts of residential structures shared by all homeowners, such as roofs, common walls, lobbies, stairways, elevators, and basements.HOA governing documents should state exactly which areas the HOA insures.iability Insurance for HOA Employees. Key HOA employees are responsible for making important decisions about how to manage the property. When an HOA employee fails to do something or acts in a way that causes damage to someone, the HOA may be sued.