When you decide to live in a community run by a Homeowners Association you might end up having to follow certain rules and take on some responsibilities. In return, some of the needs of the community are met by the HOA, such as community maintenance. This leads many homeowners to wonder if an HOA will cover the cost of their roof replacement when the time comes.
As the need for a roof replacement can be anxiety inducing for many homeowners, we hope to be able to provide some answers within this blog post.
What Is A Homeowners Association?
A Homeowners Association, or an HOA, is a residential community organization that upholds rules for homes under its jurisdiction. Those who buy property within an HOA’s domain automatically become members and must pay dues, also known as HOA fees. These fees cover maintaining and improving common areas and shared facilities like parks, clubhouses, and swimming pools.
Responsibilities Of An HOA
- Enforcing Rules: Making sure homeowners follow community rules which are known as covenants, conditions, and restrictions (CC&Rs)
- Collecting Fees: Gathering fees for shared expenses like landscaping and maintenance
- Organizing Events: Hosting activities to build community spirit
- Maintaining Property Value: Keeping the neighborhood attractive and maintaining property values
How Does An HOA Operate?
- Board of Directors: These are homeowners within the community that are elected to run the HOA
- Membership: As mentioned above, buying a property in an HOA community makes you a member who must follow the rules and pay fees
Also Read: Is HOA Responsible For Roof Leaks?
Will HOA Cover A Roof Replacement?
The responsibility for roof replacement within an HOA community can depend on the specific terms outlined in the association’s governing document. Not all HOAs will cover roof replacements, in fact, there are typically only three scenarios that can happen.
Full Coverage by the HOA
In certain communities, particularly condo complexes and high-rise buildings, the HOA may fully cover the cost of a roof replacement. This is typically because the roof is considered a shared asset benefiting all homeowners.
Common Areas: If the roof is categorized as a “common area” shared by all homeowners, the HOA assumes responsibility for its maintenance and replacement. Costs are typically covered through regular HOA fees collected from homeowners.
Partial Coverage by the HOA
Some HOAs may opt to share the cost of a roof replacement with homeowners. This can involve:
Percentage Coverage: HOAs pay a portion (20%), with homeowners covering the remainder.Fixed Amount Coverage: HOAs set a specific dollar limit, requiring homeowners to fund whatever expenses exceed that amount.
No Coverage by the HOA
In many communities of single-family homes, homeowners bear full responsibility for the cost of their roof replacement. HOAs typically do not contribute to these projects, especially in newer developments lacking reserve funds for major repairs.
Limited Common Elements: If the roof is only associated with one specific unit, responsibility may fall on the individual homeowner. This often applies to single-family homes where the homeowner owns the house and its plot.
HOA-Mandated Roof Replacements
Even if the roof is the responsibility of the homeowner, they might be required by the HOA to replace it if it doesn’t meet community guidelines or standards. They can’t force you to replace it unless it violates roofing guidelines set by the HOA or even local building codes. But keep in mind that they might have the ability to impose fines or take legal action against you if you do not keep up with maintenance or follow community guidelines.
Steps to Take If A Roof Replacement is Needed
If you think your roof needs to be replaced and it’s the Homeowners Association (HOA)’s responsibility, follow these steps to get it done:
1. Check the Damage
- Inspect Your Roof: Look for missing shingles, leaks, or sagging areas.
- Hire an Expert: Get a certified roofing contractor or inspector to check the damage and give you a detailed report.
2. Review HOA Documents
- Read HOA Rules: Look at your HOA’s rules, bylaws, and restrictions to understand who is responsible for roof repairs.
- Find Specific Clauses: Check for any parts that talk about roof maintenance and replacement.
3. Contact the HOA Board
- Communicate Clearly: Tell your HOA board or property manager about the issues you found.
- Share Evidence: Give them the inspection report and any other documents that support your claim.
4. Submit a Formal Request
- Follow Procedures: Submit your maintenance request according to your HOA’s rules. This might mean filling out forms or giving detailed information about the damage.
- Provide All Details: Include all important information like the type of damage, inspection date, and inspector’s recommendations.
5. Keep Records
- Document Everything: Save all emails, letters, and notes from conversations about the roof replacement.
- Prepare For Disputes: If there are disagreements or delays, having detailed records can help you prove your case.
HOA Involvement & Guidelines In The Replacement Process
Even if the cost of a roof replacement is covered by the homeowner, the HOA will still have guidelines outlining what can and cannot be done to the roof.
Approval Process: Homeowners may need to submit an application or request for approval before beginning any roof replacement work. This usually involves providing details about the materials, colors, and design of the new roof.
Material and Color Restrictions: The HOA might have specific requirements regarding the types of materials and colors that can be used for roofs. This is to ensure a uniform and aesthetically pleasing appearance throughout the community.
Contractor Approval: The HOA may require that the work be performed by a licensed and insured contractor. They might also have a list of approved contractors that homeowners have to choose from.
Work Timing: There might be restrictions on the days and times when construction work can be performed to minimize noise and disruption.
Inspection: After the work is completed, the HOA might require an inspection to ensure that the roof replacement meets all the specified guidelines and standards.
Fees and Deposits: Some HOAs might charge a fee for processing the application or require a refundable deposit to cover any potential damage to common areas during the construction process.
Quality Roof Replacements With Kickapoo Roofing
Knowing if your HOA covers the cost of a roof replacement is key to preparing for the event that a roof replacement is needed. Remember, that some may cover it, while others will leave it up to the homeowner. Check your HOA documents and talk to the board. Even if the HOA doesn’t cover it, they might still have rules about materials or colors, so always check before starting any major exterior work.
For excellent roofing services, including roof replacements and repairs, choose Kickapoo Roofing. Our team follows HOA rules and only uses top-quality materials. Trust our team for dependable, professional, and hassle-free roofing solutions tailored to your HOA’s needs. Call us today at (608) 352-8688.