10 HOA Rules You Don’t Have to Follow—And How to Fight Back
Homeowners Associations (HOAs) are meant to maintain property values and community standards, but sometimes, their rules overreach. If you feel your HOA is stepping on your rights, here are ten rules you don’t necessarily have to follow—and how to push back effectively.
1️⃣ Sue If Necessary
If your HOA enforces unfair rules or exceeds its authority, legal action may be an option. Start by requesting a board hearing to address the issue. If the matter remains unresolved, consider mediation or even filing a lawsuit.
2️⃣ Demand Transparency
Your HOA is required to disclose pending lawsuits and financial records. While the level of detail varies by state, you have the right to know how the association is handling legal and financial matters.
3️⃣ No Discrimination Allowed
The Fair Housing Act protects against HOA rules that discriminate based on race, religion, family status, disability, and other protected categories. If your HOA enforces biased policies, file a complaint with the U.S. Department of Housing and Urban Development (HUD) or consult a legal professional.
4️⃣ Privacy Matters
Your HOA cannot enter your home without proper notice except in emergencies or for pre-approved maintenance. Review your community’s Covenants, Conditions, and Restrictions (CC&Rs) to confirm your rights regarding home entry.
5️⃣ Clotheslines Are Legal
Many states have “Right to Dry” laws that protect homeowners' ability to use clotheslines, even if an HOA dislikes their appearance. Check your state’s regulations to see if you have this protection.
6️⃣ Unlisted Fines Are Invalid
HOAs can only impose fines that are clearly outlined in the CC&Rs. If a fine isn’t listed, you may not have to pay it. Request documentation before handing over any money.
7️⃣ Rules Can’t Change Overnight
HOAs must follow proper procedures, including a voting process and notification period, before enforcing new regulations. If your HOA attempts to implement sudden rule changes, challenge their legality.
8️⃣ Satellite Dishes Stay
The Federal Communications Commission (FCC) protects your right to install satellite dishes and antennas on private property. Your HOA cannot ban them outright, though they may set reasonable placement guidelines.
9️⃣ Native Plants Are Allowed
Many states have laws that prevent HOAs from banning native or drought-resistant landscaping. If you want to go green with eco-friendly plants, check local ordinances to support your case.
🔟 Stay Engaged
One of the best ways to push back against unfair HOA rules is to stay involved. Attend meetings, voice your concerns, and rally your neighbors. A strong community presence can challenge unreasonable policies and hold the board accountable.
Your HOA is there to serve the community—not control it unfairly. By knowing your rights and standing your ground, you can help ensure fair and reasonable governance in your neighborhood!