Cancelled D&O Insurance

We did something as fast as we could. Three recall elections - the last one caused by a judge that was to weak to make a decision after the 2 recall was plainly i favor of their removal - and $60,000 dollars in legal fees from a few members that set out to fix the problem we did remove the ones that were "running wild". The problem now is that they managed to cause enough suits that caused the D&O insurance to be dropped. We want to fix all of the wrongs they caused, but not without protection from the possibility that one of the former board members would sue just to get even.

I live in a HOA called Huntington Ridge. The Association (members) were persuaded by the board to sue the developer for repairs to the community pond. The repairs could have been done for around $4000. I have experience in operating heavy equipment and offered free labor if they rented the equipment. I could have done it for less than $4000 total. They were hell bent on suing. Well, 2 years later they managed to secure a settlement to have some repairs made. The pond looks worse than it ever has and the lawyers are still billing us to "close out" the suit. The HOA paid over $40,000 for the suit. My cut in the form of special assessments was $1400.

When I and a few other members make suggestions at the meetings, we get the "deer in the headlights" look. Also the "I have made up my mind already, and you are confusing me with facts" look. It is very frustrating. I won't bore you with details, but some of the "new" rules they were making were against the bylaws,CCRs, and the NC planned community act (law). Every meeting is a battle. When I show them the laws that they are breaking they just clam up, then I hear no more about that subject. The internet is a valuable tool for any HOA member. I suggest that you research your state laws, and be careful about what someone told you to do in chat rooms and boards. Not knocking this forum, but different states have different laws.

I wish there was a way that a member can say "I object to what you are doing, if we get sued I am not responsible".
unfortunately there is no avenue of escape. You can recall the board, but usually that is after the damage is done.