🏋️ "Special Assessments: What They Are, When They're Legal, and How to Push Back"

You thought your dues covered everything. Then came the special assessment.

A $1,500 charge for roof repair. A $600 bill for security upgrades. Suddenly, you’re paying more—a lot more—without much explanation.

HOAs can levy special assessments, but only under specific circumstances. Usually:

• When reserve funds are insufficient

• For emergency or necessary repairs

• With proper notice and (in many states) a member vote

Before you pay:

• Request a breakdown of costs

• Ask to see bids and vendor contracts

• Check your CC&Rs for voting requirements

• Push for payment plans if the amount is burdensome

Boards can’t impose assessments on a whim. You’re not just a resident. You’re a stakeholder. Ask the questions they hope you won’t.