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JohnH38 (South Carolina)
Posts: 100
Posted:
Friends,

Here are the facts, names are fictitious:

1) Adolph painted the concrete sidewalk located on the 12'5" roadside in front of his lot and ergo owned by the association.

2) Years later lady Kim (short for Kimberly) slipped on it when it got wet and broke or damaged her ankle, it took almost one year for Kim to recover the use of her leg.

3) Kim is suing Adolph and the board for undisclosed damages, let's say $1 mln for the sake of the argument.

4) At the time Adolph painted the sidewalk, both Adolph and the board believed the sidewalk was part of the lot, and not part of the roadway (roadway = road + curb + roadside).

5) After the lawsuit was filed, Adolph sold his house to Joe and moved out of SC.

6) Neither Adolph nor his listing realtor told Joe (the new owner) about the lawsuit, neither did the board. They all claim of course that Joe didn't ask!!! LOL
I am aware that Fact 6) is irrelevant to the case, but I mention it simply to remind folks of the old adage « Buyer beware! ».

All parties and their attorneys will meet next month in an attempt to "settle" the case, if no settlement is reached it will go to trial. With a jury trial the board doesn't
stand a chance given POAs are hated by owners and judges alike, mark my words.

There is no question in my mind the current board is responsible for the negligence of a previous board not knowing they own the sidewalk and ... Adolph is gone!

The association insurance probably has a substantial deductible that all owners will have to contribute to, well after all they voted for that board, didn't they.

Pura Vida

PS In tempore non suspecto, when the builder of the house across the road from Adolph's installed brick columns on that roadside, I told the board, the property manager and the DRB (design review
board) it was "illegal" and eventually a few months the builder moved them back 12'5" from the curb.
LaskaS (Texas)
Posts: 1,025
Posted:
johnm

one of your statements is incorrect.

the new board is not responsible for the negligence of the previous board.

the association can be held liable for the negligence of the previous board. big difference.
TimB4 (Tennessee)
Posts: 21,059
Posted:
Joe should file for a dismissal.

He wasn't the owner at the time of the accident.
CathyA3 (Ohio)
Posts: 6,299
Posted:
One quibble: I disagree that community associations are hated by courts.

There do seem to be some judges who view all of them as bullies and will stick it to them if they see signs of bullying. But that's by no means universal, and I believe that most judges try to find according to the laws. In addition, the POA isn't the "bully" here as far as I can tell. They were in the wrong for not understanding the CC&Rs and going after Adolph for painting the sidewalk, but these are the sorts of clueless mistake that happens too often. (Who on earth paints sidewalks besides city workers marking crosswalks and such...?)

I hope all parties can settle this without bankrupting themselves.
DouglasK1 (Florida)
Posts: 2,046
Posted:
Hopefully Joe has an onwer's title insurance policy. The title insurance company should have found the lawsuit, and since they didn't, they should defend him and pay any judgement.

Escaped former treasurer and director of a self managed association.
PatJ1 (North Carolina)
Posts: 568
Posted:
Quote:
Posted By DouglasK1 on 02/06/2022 6:52 AM
Hopefully Joe has an onwer's title insurance policy. The title insurance company should have found the lawsuit, and since they didn't, they should defend him and pay any judgement.

If a lawsuit is filed after another owner purchased, how would Title Insurance protect the "2nd" owner?

JeffT2 (Iowa)
Posts: 880
Posted:
Quote:
Posted By JohnH38 on 02/05/2022 7:03 PM
The association insurance probably has a substantial deductible that all owners will have to contribute to, well after all they voted for that board, didn't they.


My understanding is that liability insurance does not have a deductible and the insurance company provides a free lawyer.
MelissaP1 (Alabama)
Posts: 13,836
Posted:
This was a homeowner's insurance claim on the original owner's insurance. All the HOA could do was approve or deny the owner the paint job. IF it was in violation, then the HOA should have removed it and sent the owner the bill. The lawsuit is still to go against the original owner and not the new one. Plus they just added the HOA to add to their "nest egg". They think it has deep pockets. The case should be dismissed against the HOA as they contributed little to what caused the accident. They just gave permission that does't mean taking on the liability.

Former HOA President
TimB4 (Tennessee)
Posts: 21,059
Posted:
Quote:
Posted By PatJ1 on 02/06/2022 7:13 AM
Posted By DouglasK1 on 02/06/2022 6:52 AM
Hopefully Joe has an onwer's title insurance policy. The title insurance company should have found the lawsuit, and since they didn't, they should defend him and pay any judgement.


If a lawsuit is filed after another owner purchased, how would Title Insurance protect the "2nd" owner?


Per the OP. Legal action was filed prior to the home being sold.
JohnH38 (South Carolina)
Posts: 100
Posted:
Danke to y'all.

All comments are appropriate IMHO.

Joe is not getting sued, Adolph is.

Ignorantia legis neminem excusat! Any previous board should not have allowed (if it did) Adolph to paint the POA sidewalk: With the sidewalk being wet, painted or not, the same accident could have happened. Some shoe soles are more slippery than others! Kim was walking her dog, the dog may have caused her fall, who knows!

The prosecution attorney should have filed against Adolph OR the association only, now he has a ménage à trois on his hands!

Like I said, we'll see ...

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