Colorado Springs Homeowners Revolt: The $20,000 Hail Damage Battle Against Their HOA

A storm of controversy, not just hail, has descended upon homeowners in a Colorado Springs neighborhood. Residents of Pine Creek are up in arms, staging a spirited protest against their Homeowners Association (HOA), Hammersmith Management, over a staggering demand: a $20,000 payment from each household for hail damage repairs following a severe storm in 2022.

The sentiment among the homeowners is clear and unified: they've already paid for these repairs through their individual insurance policies, and the HOA's demand feels like an unjust, redundant financial burden.

The roots of this bitter dispute trace back to a devastating hail storm that battered the region.

While many homeowners diligently filed claims with their personal insurance providers, securing funds to fix their damaged roofs and siding, the HOA subsequently issued a directive that sent shockwaves through the community. They claimed the $20,000 per household was necessary to cover repairs to common areas, a declaration that residents vehemently dispute, asserting their individual policies already account for their share of such costs.

The frustration is palpable, with residents holding signs that declare their outrage, such as “My Insurance Paid My Roof, Why Pay HOA?” and “HOA Stealing Our Money.” This isn't just about the money; it's about transparency, fairness, and the very purpose of an HOA.

Many homeowners feel trapped, with some reluctantly paying the hefty sum under duress, fearing liens on their properties or other punitive actions from the HOA. Others, however, are digging in their heels, refusing to comply and seeking legal counsel to navigate this complex and emotionally charged situation.

Legal experts, including attorney David Steinhoff, highlight the often-tricky nature of HOA master policies versus individual homeowner insurance.

While HOAs typically maintain master policies for common property, if individual homeowners' policies already cover their respective properties, including a portion of common elements, the HOA's demand for additional funds becomes legally questionable. The lack of clear communication and perceived opacity from Hammersmith Management has only fueled the residents' anger, leaving them feeling unheard and exploited.

This ongoing saga, stretching over a year, illustrates a growing tension between homeowners and their HOAs when it comes to disaster recovery and financial accountability.

As the residents of Pine Creek continue their fight for what they believe is right, their protest serves as a stark reminder of the importance of understanding HOA bylaws, insurance policies, and the collective power of a community united against perceived injustice.