098 | Don’t Let ‘Nuisance’ Complaints Turn Into HOA Lawsuits

Kevin Davis 00:00

If they’re saying that they’re a nuisance, but they’re right, you gotta listen to them. That’s the key. Just because they are nuisance doesn’t mean they’re wrong. So you got to understand right off the bat that if they’re right, you got to say, I heard you. Let’s fix this, which is the hardest thing to do, the hardest thing for humanity, for us as humans, to do, is that we know that person who doesn’t obey that rule that, you know, we talked about business parking. He’s got parks and business parking all the time, but at one time, another person parks, he’s the one. Say, get rid of him, find him, tow him, you know, and we want to ignore them. We’re going to have to understand that nuisance person is doing. Say, something is right. You gotta enforce it.

Announcer 00:42

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Robert Nordlund 00:57

Hi. I’m Robert nordlundo of association reserves, and

Kevin Davis 01:00

I’m Kevin Davis of Kevin Davis Insurance Services, and this is HOA Insights, where we promote common sense for

Robert Nordlund 01:06

common areas. Well, welcome to episode number 98 where we’re again speaking with insurance expert and regular co host, Kevin Davis, about the nuisance nightmare. How to manage disruptions in your association. We’ve spoken about the rise in what we call incivility, and because of that, nuisance, complaints are on the rise in community associations that could be from the pickleball noise and violating pool hours to pet disputes. It goes the entire range. Well, this episode explores what constitute a nuisance and how associations can enforce rules fairly and best practices for resolving conflicts before they escalate. We want you our podcast audience to be well informed and to be well prepared well. This is a follow up to episode number 97 with regular co host Julie admin on effective strategies to deal with homeowner dissatisfaction, trying to minimize it or preventing it from gaining a foothold or a toehold in your association. If you missed that episode or any other prior episode, take a moment after today’s program to listen from our podcast website, Hoa insights.org, or watch on our YouTube channel, but better yet, subscribe from any of the major podcast platforms so you don’t miss any future episodes. Well, those of you watching on YouTube can see the HOA insights mog I have here. I think Kevin’s got one also, and you can get one for yourself from our merch store, which you can browse through from our HOA insights.org website, or the link in our show notes, you’ll find we have some great items there for sale and some great free stuff, like board member zoom backgrounds. So go to the merch store, download a free zoom background, background, take a moment look around and find the mug you’d like, and email me at podcast, at reserve study.com with your name, shipping address, mug choice and mentioning episode 98 mug giveaway. And if you’re the 10th person to email me, I’ll ship that mug out to you free of charge. Well, we enjoy hearing from you responding to the issues you’re facing at your association. So if you have a hot topic, a crazy story, or a question you’d like us to address. You can contact us at 805-203-3130, or again. Email us at podcast at reserve, study.com and one of those questions led us to today’s topic. It’s Melissa from New Jersey who asked our homeowners are not acting very neighborly. They’re easily angered meeting minutes, being a couple days late, or parents with small kids angry with dog owners and vice versa. Do you have any recommendations for helping people live in community? So Kevin, what do we say to Melissa? First

Kevin Davis 03:56

of all, Rob, I’m glad to be here, and I enjoy doing these because for me, we handle liability insurance, and we’re seeing a rash of these kind of claims where people don’t know what to do. These people who live in community associations are not doing things they should be doing. You have boards of directors who are treating them there were disrespectfully. Okay, so we’re talking about today is the nuisance board members are looking at certain people and leaving them nuisances, because, guess what, they’re not paying their assessments, not paying our rules, they don’t care about their pets, all the things you just said. And when you talk about nuisance, and basically, a nuisance is somebody who’s annoyed. You know, I’m annoyed. I go to my community association, I go into the driveway and I see the fence hasn’t been taken care of, the trees haven’t been trimmed. You know, things have been wiped down. I mean, I’m just annoyed. Now, the problem, though, is that we have a group of people who are annoyed, who haven’t paid their assessments, who don’t obey the rules, and we ignore them, and those of that group we’re talking about today,

Robert Nordlund 04:55

you know, I just started thinking now the people who are annoyed. In at what’s going on in the association, or what’s not going on in the association. To our board member audience, it’s hard running an association. There’s things to do everywhere you look, and it makes it harder when you have these people that are bugging you. But I’m thinking that as a board member, you’re easily bugged also, because you’re under a lot of stress, and so you’re pushed into this area where you start to feel more nuisances, and maybe there are more nuisances. And then does that get into a cycle of vortex where it’s bad for everybody?

Kevin Davis 05:30

Yeah. And the problem, though, is that once you label somebody a nuisance, you know, in other words, you have people in there that are criticized, but they pay their assessments, they work, they volunteer, and so they get heard a lot more, but we know that there’s a group in that association that doesn’t pay attention to the rules, doesn’t pay their assessments, but they complain all day long, and they’re the ones that get pushed aside, and when that lawsuit comes in, okay, they’re with the board of shocked and surprised, because now of a sudden there’s a judgment. Because that one person who says, I’m annoyed and annoyance is legitimate, you’ve ignored them. We live in a world now where a lot of us are annoyed just in general. I mean, we don’t like what’s going I mean, listen, it’s February right now. It’s been the longest. It’s been a long February. It’s been a long we have a lot of things to be we live in a world where everybody is kind of just feeling way up here. But what happens is, and so we say a lot, boards have that fiduciary duty. They have to act responsibly. So just because you are a nuisance doesn’t mean you get a chance to say, Guess what? When you pay your dues on time, you pay assessments on time and you obey the rules, then I will listen to you. You don’t have that much.

Robert Nordlund 06:45

As much as you may want to say that as soon as you start cleaning up after your dog, as soon as you start not leaving your trash in the trash room, but actually putting it down the chute or whatever it is, you want to say, Hey, buddy, it’s a two way street as a board member, you can’t say that. You’ve got to be the responsible, loving, caring, communicating, even tempered board member who’s a leader and boy, that’s that’s a tough ask, but that’s the job that you have. I think we

Kevin Davis 07:17

need to start with this what is a nuisance, because once we understand what a nuisance is, the board can understand their fiduciary duty to take care of it. Because right now the board is saying, Listen, the guy’s a nuisance, and they walk away. Okay, we talk about a nuisance is an unreasonable interference by an individual, unreasonable interference by individual who just happened to live in the community association. They want to use the Community Association. They want to enjoy the community association, but someone who’s unreasonably interferes with that enjoyment. It could be the pickleball court we talked about, or the dog barking, or the dog not cleaned up out there. So it gets to a point where, when it becomes unreasonable. So once it becomes unreasonable, that’s where that board gets the kind of play, you know? It’s the difference between being inconvenience versus annoyed. That’s the part from a board member’s mentality, you know. And again, I always got to preference these talks by saying, I am not a lawyer, yeah, I’m talking out from person who gets these kind of claims, and saying, please, if you understand, you have fiduciary responsibility to act in the best interest Association and use reasonable care, then reasonable care means that somebody comes to you and say something unreasonable, you have to react to

Robert Nordlund 08:33

1. So in addition to all the other skills we’ve talked about with board members, we need to suggest they also need to have a little bit of a thick skin,

Kevin Davis 08:41

especially to this group. This is, this is specific group of people that we’re talking about. You know, we’ve done a lot of these talks about, you know, you have to have communicate the things, these people that we don’t want to talk to, because, again, as soon as you pay your assessments, so you pay a path that your dog will talk to you, doesn’t work. I’m

Robert Nordlund 08:58

remembering when I was a board member my unit number eight, my path to the mailbox. And there’d be times I wanted to, you know, I was home from work, and I time to go get my mail, and I would to leave my front door to go to the mailbox, and I’d see someone out there. I was like, No, I’m going back in because I didn’t even want to cross paths with them, because I knew it was going to run into a conversation, and I didn’t, I just didn’t want to do that. Well, you know,

Kevin Davis 09:23

that brings up a good point there, Robert, in the sense that, you know, we’ve talked about, like public public nuisances where I’m looking out and seeing things are not being done. Now we have individual private nuisances where you don’t like the fact that you don’t want by me, because we have a issue between you and myself. So all of a sudden you may not like the wind chimes I have on my front door because they get up too early. You annoyed by it. Now question is, is that again, what does the board does that do with the board’s responsibility? You know, if you go to that board and say, Guess what? It I can’t handle anymore these wind. Times, you know, driving me crazy, you know. And you go to the board, especially the board looks at me as the nuisance in the association, you know. Because I, you know, I probably end it would be the nuisance and association all of a sudden, that guy, again, leave it alone. Doesn’t mean the board has to do something or not. Because we have to investigate. We have to do our job. And that’s the thing is, is that we can’t say, Uh oh, he’s the nuisance. So we gotta, you know, Steve Malone and go away, you know? And sometimes the answer will be that, but we got to look into it. We have to investigate the key word is always going to be, is that person being unreasonable? The unreasonableness, to me, is the key factor in a lot of these things we’re talking about.

Robert Nordlund 10:45

Well, what you’re saying here is that, okay, they’ve gone beyond inconvenienced, and they’re getting into unreasonable, but still, as a board member, you have a job to do, and you said that just a moment ago, and that job is to run the association, be even tempered, to be a leader, to be, hopefully, an inspiring, good, communicating leader. In our family, when our kids were young, we talk about they need to make like a duck, and in our family, that meant, be like a duck and let the water just roll off your back. Don’t let those arrows that people shoot at you penetrate. I read another thing somewhere. I was reading it, and it said you don’t have to show up to every fight you’re invited to, and you you can see it, you can see it coming, and maybe you know about it, but you need to be even tempered and let it not penetrate and get into your heart and soul. Because Kevin, I think what we’re going to talk about here today is when it starts to disrupt your actions as a board member, when that person pushes you out of your comfort zone, or you start treating them differently, isn’t that it? That’s it. Okay,

Kevin Davis 11:50

yep, and that’s it, because the easiest thing they do is to go overboard on that nuisance. So all of a sudden you complain about me, or I complain about you, because you’re that nice guy in an association and you pay assessments on time. You’re well, like, all of a sudden now you go to the board and say, Kevin’s wind chimes, and drive me crazy. I’m going to pull him down. And that board says, You know what, the guy’s been a nuisance his entire life. Take those things down. I’ll back you up on those things. You’ve labeled them. Yeah, yeah, yeah. And what happens is, it makes a difference between you doing that, versus you say, You know what? Let’s communicate properly, you know, let’s talk to each other. Let’s get together and say, maybe you can, you know, the wind chimes are noisy. Okay, maybe you get put them on the other side of the building. You know, maybe you can change them. Sometimes, the answer is, just talking to each other, edit it as a board. Sometimes, that’s it. That’s all you need to do, you know? Just okay, we we investigated. And, you know, it is noisy, but it’s not unreasonable, you know, and that’s the key word there, is it, are they being reasonable and not being reasonable? Well, he might be the nuisance Association, but he does have a right to be asleep every night, but the wind shines bone. Now you may investigate and find out, guess what? The wind chimes only blowing once, once a month, you know? I guess what? Now, the person is not reasonable, you know. So it’s it’s going to a different level.

Robert Nordlund 13:10

So it’s a matter of keeping an even keel and not letting your emotions get the better of you, and really looking at it as, how should I address this and not label the person as okay? They’re the nuisance so they don’t get the benefit of the doubt. You still need to give everyone the benefit of the doubt, but

Kevin Davis 13:31

thinking that community association, who gets the benefit of the doubt, we know a group is always get the benefit of the doubt, the ones that smile, the ones that the duck, these are the ducks. They always get benefited them they’re parking and visitors parking, they go, Okay, excuse me, can you move? Oh, sure, no problem. Oh

Robert Nordlund 13:47

yeah, I’m sorry I had a load of groceries in this moment, and I’ll have it done. But what happened

Kevin Davis 13:52

with that nuisance Park in visitors parking?

Robert Nordlund 13:57

Don’t tempt me. Kevin, yes,

Kevin Davis 13:59

exactly. I love having these conversations that people never talk about. We’re talking about the nuisance. You know, people say I love having the kind of conversation with you, because we get a chance to talk about things nobody else will ever talk about. We’re talking about that guy who is just a nuisance, that association, it was just a pain. And anytime you see him, you want to walk away from him. But guess what? That one day when he says that, you know what you’re you’re late, and as we call you being late, you can’t pass this. You can’t pass special assessment. And you go, Listen, we’re going to do it anyway, because what do you know? You paid assessment in a year. So we’re behind. But that one guy who says that, and then when he does, he files that one claim, and all of a sudden, guess when that claim is filed, guess what happens? The board is found wrong because it was late, and because it was late, they weren’t allowed to do it. Now, if that board would have listened to that unit owner, difficulties of nuisance, and said, Listen, we need to talk, because, you know, you are three days late when passing that assessment, and you don’t have the authority to do it, and we have a choice. Let’s say. You know what? You’re right. Let’s talk about it. Maybe we can redo it, do it next month. Whatever we say, he’s a nuisance. He had the page assessments in three months. Forget about him. Kevin, you

Robert Nordlund 15:09

got me thinking of a couple more things you’ve said so many times you want to lower the temperature. Yes, lowering the temperature. I think the dial to lowering the temperature is just talking letting the pressure off. Hey, having a civil conversation, looking them in the eye, giving them time to let their pressure get released, and you talk about it, and maybe at the end you can say, and oh, by the way, how are you doing on catching up with your assessments? Because that’s something that honestly is irritating me. What you were doing. Obviously what the association was doing was irritating you. But you know, let’s talk about this. Get this out in the open. Oh, gee, I’m sorry. You know your check is coming in late, so as soon as you get okay. Now I understand. And can you turn a nuisance into a not a friend? But can you neutralize that? That’s the

Kevin Davis 16:00

word neutralize. You want to neutralize it so at the end of the day, you don’t want to be sued. You don’t want somebody come in and say, Guess what? You breach your fiduciary do. Because I was reasonable. And you say I was unreasonable, that’s the claim, right there. I was reasonable. You said I wasn’t reasonable. I’m going to sue you because that result, you hurt my feelings. You know, I can’t show my face anymore in a community and I’m suffering. Yeah,

Robert Nordlund 16:24

I went damages. Okay, well, I like, that’s what you want to avoid. Yeah, you want, you want to avoid that. Well, that’s, that’s a good point here. So let’s take a quick break from this conversation. It’s time to hear from one of our generous sponsors, after which we’ll follow up with this and be back with more common sense for common areas.

Kevin Davis 16:41

Hi, I’m Kevin Davis, the president of Kevin Davis Insurance Services. Our experienced team of underwriters will help you when you get that declination. We provide the voice of reason, someone who will stand by you. Our underwriters are bringing years of knowledge to our clients that can’t be automated by technology or driven by price. As a proud and wins company. We bring true value to your community association clients. We are your community association insurance experts.

Robert Nordlund 17:09

Kevin, right before the break, we’re talking about the big point of doing what you need to do to not get sued. So yes, we’re talking about honestly annoying people, people that are irritating you and people that are nuisances. But how do you stay back and stay behind the line where you’re going to get sued?

Kevin Davis 17:29

And it’s the thing we talked about this a few minutes ago, in terms of lowering the temperature. However, a nuisance is a nuisance. A person will any people that will file that claim because they look forward to it, these people who don’t obey the rules, but a lot of know all the rules, and that’s where the problem comes into play. When it comes to you say, Yeah, but you didn’t do X, you know, and you should do Y, and that’s where the problem comes into play. So as a board members, you got to understand one thing off the easiest thing to do, are they obeying the law? Okay? Are they obeying the rules? Are they obeying? If they’re obeying, if they’re doing things they should be doing, they’re not violating these things. Okay? Then, right off the bat, it puts in a different bucket, but they’re violating so in other words, like we just talked about the increase the assessments, if they’re three days late, even though he’s a nuisance, you’re gonna have to agree. Okay? So any violation of any state, Feds or the governing documents, they could be the biggest nuisance in the world, okay? But it’s, it’s there. It’s legitimate. You cannot, you know, ignore them when they come to you and say, Guess what? You know you’re saying, I’m reasonable, even though the documents say that you have to, you know, notify them in a tiny manner and tiny amount of me, 60 days you haven’t done it, yeah? So you gotta have your own house in order. You have to, you gotta have your own house in order. Yeah, if they’re saying that they’re a nuisance, but they’re right, you gotta listen to them. That’s the key. You just go. They are nuisance. Doesn’t mean they’re wrong. So you got to understand, right off the bat that if they’re right, you got to say, I heard you. Let’s fix this. Which is the hardest thing to do, the hardest thing for humanity, for us as humans, to do, is that we know that person who doesn’t obey that rule that, you know we talked about business parking, he’s got parks and business parking all the time, but at one time another, parks and parks, he’s the one. Say, get rid of him, find him, tow him, you know, and we want to ignore them. We’re going to have to understand that if that nuisance person is doing, say something is right, you got to enforce it. Yeah,

Robert Nordlund 19:39

that’s a that’s a hard ask, but we are here to inspire. We’re here to educate and encourage and for our board members. Yes, look at it, communicate, lower the temperature. And I think of was Abraham Lincoln had his cabinet of advisors that. It gave him regularly for the ideas, yes, yes, yes, different ideas. And so it was good for him to consider different ideas and hone in on the truth. And Kevin, the truth is a great place to be, yes, and even if it’s an annoying person or a nuisance person, if they’re pointing out that the landscaper wasn’t here yesterday. And you know, he skipped mowing the lawn in front of my house. You know, you think, Oh, gee, of all the people to miss mowing the lawn, of it was unit number 13. But the truth is, the truth you need to get on the phone and call the landscaper and say, Hey, you missed at least a couple of homes over on this road.

Kevin Davis 20:42

Yeah, we have this conversation, and it feels like it’s a hard conversation to have, but it’s real, because what happens is, when you don’t do it, you go down this path of saying, he’s a nuisance, ignore him, and then when it gets to a point in time where something legitimate, all of a sudden, that lawsuit comes in, and I would say, you’re looking at, you know, 1000s and 1000s of dollars because he was actually damaged. You know, he was act because he was called the nuisance, and he was right now, the other part is, is that that is easy to see if, if the rule says what they say, and you have to enforce it. So if the landscaper missed that person’s area. You got to do your job. Now the landscaper may say, you know, look, I can’t come back now, but you did your job, you documented it, you investigated and you have a defense. The key thing what you want

Robert Nordlund 21:33

to do is have a defense. And one more thing is you probably want to call that person and say, or email that person say, hey, we contacted the landscaper. He is off to another project. He will be back next week, and will do your yard first, yeah, or something like

Kevin Davis 21:45

that, yeah, that’s the key. What you want to do is, when you’re dealing with the nuisance, just have a defense. Just do the investigating, document it, you know, communicate it, and then you kind of, you did your job. Because certain things are not like, let’s go back to the wind chimes. It’s not against the association laws that wind chimes out there, you know? And we’ve talked about, when do you react? Well, you react when you say, Okay, we investigated and found out that, guess what? Those wind chimes, we don’t have any wind they made no noise in the past three weeks. So guess what? I don’t see a problem with that. We document it, so we come back later and get sued because the board failed to to handle that wind chimes. You know, they didn’t do their due diligence. Okay? We say, Yes, we did. We investigated and we thoroughly looked at it, and we said, Guess what it is? It’s not unreasonable. Yeah, it’s a small problem. It’s not serious. It’s not serious.

Robert Nordlund 22:39

Is that what this is all boiling down to keep your problems small. Don’t let them build up. Don’t let

Kevin Davis 22:45

them build up communicate. It goes that wind chimes can build up over time. You know, if you don’t, let’s say you don’t investigate. Let’s say you just say this, guys are a nuisance. They’re pain in the butt. I don’t care. And then what happens is, now the wind chimes become a problem. He goes down and find out. Guess what? Wind shots we have in our association. There’s a lot of them. And then obviously they get everybody together and start everything gets bigger and bigger and bigger. If you take again, we said, lower the temperature, communicate effectively, and then all of a sudden you can eliminate a lot of these things. Do a little extra work. Again, all we want to do, and my job here is to say you want to avoid being sued or something that you have control over,

Robert Nordlund 23:25

so don’t let the complaint or the person get so bothered that they’re going to make a phone call to an attorney and you got a major problem on your hands, so keep, keep your problem small. Yep,

Kevin Davis 23:37

and he and you can’t even you know, they could pick the phone up and call their attorney, but all you want to do is have a defense by saying, Yes, we listened, we heard, we investigated, and this is our conclusion, you know. And now, if you are sued, guess what happened? Your lawyer say, Guess what? You did your job. Because again, no judge want to see these things. No judge want to hear that you were two days later in your assessments, or you’re five days late on your

Robert Nordlund 24:02

this, this or that, or Yeah, elections,

Kevin Davis 24:03

nobody want to hear that kind of stuff. But what happens is, if you that nuisance, you’re that person who feels they’ve been hurt because you ignore them or you call them a nuisance, yeah, just call them a nuisance alone. Makes me feel you know that I’ve been disrespected, yeah?

Robert Nordlund 24:19

Yeah. Another thing I am hearing from you is this idea of categorizing them. I think that’s a dangerous thing in that you have people all around the association. Some of them are literally going to be your friends. Some of them are the vast majority. You see their faces. You see them. You know they have young kids, or whatever it is, you see them. You’re aware of them, but they never hit your radar. And then you have the people that are like, Oh no, I feel and correct me here. I feel it’s okay for them to be Oh no, I don’t like you, but it’s you don’t want to go to the step where, oh no, I shun you and I. I am not going to listen to you and I’m going to ignore you, because those seem like those are the people that the problem is going to get bigger and bigger until it’s going to pop.

Kevin Davis 25:08

Let me add one more piece to it. You go one step further and you label them as somebody different. Oh, that’s the difference. You know, again, when we call them a nuisance, we’re labeling something outside the norm. Once, you a news, once you label that person nuisance, you’re not like everybody else, you’re different, and they’ll feel different, and that’s where your lawsuit comes into play, because now I’m being mistreated, you know, I’ve been bullied. You know, it goes back to, you know, I’m being bullied, I’ve been discriminated against. You know, is

Robert Nordlund 25:36

that almost the definition of the problem when it gets to the point where they move from, yeah, I don’t like him and her, and that’s okay to I’ve labeled them. Is that triggered?

Kevin Davis 25:49

I This is why I love talking to you, because at the end of the day, that’s what happens, is, is that we’re now said we’re treating them difference by labeling them a nuisance. We put them over they’re not like everybody else, and that’s when that nuisance gets to a point where they feel they’ve been treated and that’s when you all of a sudden, you feel that, guess what, I’m being bullied. I’m being discriminated against, because all I did is tell them to have an election in 60 days. They didn’t listen to me, or to pass the assessments in a timely manner. They didn’t listen to me. And the reason why they going after me right now is because I’m a protected class, or even bullying me, even harassing me, and that’s where it goes. And that you’re right. You know, that’s the end of the day what we’re talking about here. You know, there’s a group of people in that association who pays their assessments to obeys the rules that duck the duck on the water and the ducks back, they stays, and it doesn’t bother anybody. But then there’s the nuisance that we just don’t like. We ignore them, but once we label them a nuisance, they are no longer part of the community. They are outsiders. And when you come outsiders, guess what happens now? Of a sudden, they’ve been damaged because they’ve been one of the others now, and today, we don’t like the others. You know, there’s a group. We put people over there, and they don’t like to be other otherwise. If that’s the word,

Robert Nordlund 27:06

otherwise, I like that, yeah, be otherwise, yeah. And I’m also hearing you say, when we categorize them, they can probably feel it, and that’s when they feel it, and then the association is against me, and I, I can see it, I can feel it, and they’re not responding to me. They’re not treating me like a full fledged member of the association, and my rights are damaged. And then, yeah, then you get a cascade of bad things going on. And it goes back to

Kevin Davis 27:35

the one thing now, all of a sudden, and you were late on the assessments by two days, and then all of a sudden, you ignore them. Now suddenly go to court and a judge says, Well, you were late for two days and you know you weren’t. You know, that’s where the lawsuit comes in, and that’s where you’re hurt and that’s where you’ve been damaged. That’s when you start talking about the 1000s and 1000s of dollars of awards now that comes in because, just because he’s a nuisance. Doesn’t mean he’s wrong, right,

Robert Nordlund 28:02

right? Don’t, don’t label them. Well, Kevin, I’m looking at the time here as always. It’s great talking with you. I so many lights go off in my brain. You connect the dots on all these issues. You brought me back many years to when I was a board member at my association. Any closing thoughts to add at this time?

Kevin Davis 28:23

You know, I think that. I think we kind of mentioned it consistency. You got to be consistent in what you’re doing. You know, you’re gonna have to document. You’re gonna have to investigate, if you do that at the end of the day, you want to provide a defense for yourself when that person who’s a nuisance comes back to you and say, Guess what? I’ve been otherwise. So we’ve found a new word. I don’t know it’s the real word of that, but we got to remember that from as as a board members, you don’t want to otherwise anybody, because that’s where your damages come into play. That’s when a lawsuit, that’s when my insurance policy comes into play. And I don’t want my insurance policy to come into play at all.

Robert Nordlund 28:57

Nope, nope. We want to be good neighbors and tolerant to everyone in the association, it’s a challenge, but to our audience, we’re going to ask you to step up. Well, we hope you learned some HOA insights from our discussion today that helps you bring common sense to your common area. We look forward to having you join us for another great episode next week.

Announcer 29:21

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