An HOA tale of woe 
‘Duty to defend’ cases working through courts
By
Published: July 15, 2010
Tags: Insurance, Real Estate
With thousands of homeowners associations in Virginia, HOA horror stories are not hard to come by.
When an association board squares off against an owner, the horror stories come from both sides. Then the insurance carrier gets involved.
One story playing out in Northern Virginia started with an owner’s state court suit against her HOA. Then the ...
© Copyright 2013 Virginia Lawyers Media. All Rights Reserved.
Login required
You have clicked on a link to
information that is | ||
Already a paid subscriber but not registered for online access yet? For instructions on how to get premium web access, click here. |
||
Interested in Subscribing?
Start by choosing how you'd like your news delivered. (Roll mouse over pictures below)
 - Print and Digital - |
 - Digital Only - |
![[Print]](http://valawyersweekly.com/wp-content/plugins/tdc-sociable-toolbar/print.png)
![[Email]](http://api.addthis.com/oexchange/0.8/forward/email/offer?url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>)
![[RSS Feed]](http://valawyersweekly.com/wp-content/plugins/tdc-sociable-toolbar/rssfeed.png)
![[del.icio.us]](http://del.icio.us/post?url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>)
![[Facebook]](http://valawyersweekly.com/wp-content/plugins/tdc-sociable-toolbar/facebook.png)
© Copyright 2013 Virginia Lawyers Media. All Rights Reserved.
Refine your search for VLW Verdict & Settlement Reports or send us your case results for publication. Database search feature available to VLW subscribers only - login required.
![Ask](http://myjeeves.ask.com/mysearch/BookmarkIt?v=1.2&t=webpages&url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![backflip](http://www.backflip.com/add_page_pop.ihtml?url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![blinklist](http://blinklist.com/index.php?Action=Blink/addblink.php&Url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&Title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![BlogMarks](http://blogmarks.net/my/new.php?mini=1&simple=1&url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![BuddyMarks](http://www.buddymarks.com/add_bookmark.php?bookmark_title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>&bookmark_url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/){kind=link}
![CiteULike](http://www.citeulike.org/posturl?url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![co.mments](http://co.mments.com/track?url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![Connotea](http://www.connotea.org/addpopup?continue=confirm&uri=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![Digg](http://digg.com/submit?phase=2&url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![diigo](http://www.diigo.com/post?url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![DotNetKicks](http://www.dotnetkicks.com/kick/?url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![dzone](http://www.dzone.com/links/add.html?description=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>&url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![Fark](http://cgi.fark.com/cgi/fark/farkit.pl?u=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&h=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![Faves](http://faves.com/Authoring.aspx?u=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&t=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![Feed Me Links](http://feedmelinks.com/categorize?from=toolbar&op=submit&name=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>&url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/){kind=link}
![Friendsite](http://friendsite.com/users/bookmark/?u=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&t=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![Furl](http://www.furl.net/storeIt.jsp?u=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&t=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![Google](http://www.google.com/bookmarks/mark?op=edit&output=popup&bkmk=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![Hugg](http://www.hugg.com/node/add/storylink?edit[title]=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>&edit[url]=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/){kind=link}
![Jeqq](http://www.jeqq.com/submit.php?url==http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![linkaGoGo](http://www.linkagogo.com/go/AddNoPopup?url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![linkedin](http://www.linkedin.com/shareArticle?mini=true&url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>&summary=With+thousands+of+homeowners+associations+in+Virginia%2C+HOA+horror+stories+are+not+hard+to+come+by.%0AWhen+an+association+board+squares+off+against+an+owner%2C+the+horror+stories+come+from+both+sides.+Then+the+insurance+carrier+gets+involved.%0AOne+story+playing+out+in+Northern+Virginia+started+with+an+owner%E2%80%99s+state+court+suit+against+her+HOA.+Then+the+%5B...%5D&source=Virginia+Lawyers+Weekly){kind=link}
![LinksMarker](http://www.linksmarker.com/submit.php?url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![Ma.gnolia](http://ma.gnolia.com/bookmarklet/add?url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![Mister Wong](http://www.mister-wong.com/index.php?action=addurl&bm_url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&bm_description=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![MySpace](http://www.myspace.com/Modules/PostTo/Pages/?c=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&t=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![MyWeb](http://myweb.yahoo.com/myweb/save?t=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>&u=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/){kind=link}
![Netvouz](http://www.netvouz.com/action/submitBookmark?url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>&popup=no){kind=link}
![oneview](http://www.oneview.com/quickadd/neu/addBookmark.jsf?URL=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![OnlyWire](http://www.onlywire.com/submit?u=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&t=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![PlugIM](http://www.plugim.com/submit?url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![Propeller](http://www.propeller.com/submit/?U=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&T=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![Reddit](http://reddit.com/submit?url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![Segnalo](http://segnalo.com/post.html.php?url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![Simpy](http://www.simpy.com/simpy/LinkAdd.do?href=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![Slashdot](http://slashdot.org/bookmark.pl?url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![Sphere](http://www.sphere.com/search?q=sphereit:http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![Sphinn](http://sphinn.com/submit.php?url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![Spurl](http://www.spurl.net/spurl.php?url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![StumbleUpon](http://www.stumbleupon.com/submit?url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![ThisNext](http://www.thisnext.com/pick/new/submit/sociable/?url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&name=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![Tumblr](http://www.tumblr.com/share?v=3&u=valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&t=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![Twitter](http://twitter.com/home/?status=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>+http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/){kind=link}
![Webride](http://webride.org/discuss/split.php?uri=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![Windows Live](https://favorites.live.com/quickadd.aspx?mkt=en-us&url=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&title=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![Yahoo!](http://bookmarks.yahoo.com/toolbar/savebm?opener=tb&u=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/&t=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>){kind=link}
![Email This to a Friend](http://www.feedburner.com/fb/a/emailFlare?loc=en_US&itemTitle=An HOA tale of woe <span class="dmcss_key_icon"><img alt="(access required)" src="/wp-content/themes/valw2.0/images/lock1.png" border=0/></span>&uri=http://valawyersweekly.com/2010/07/15/an-hoa-tale-of-woe/){kind=link}
POST A COMMENT