If you live in an HOA, remember you don’t actually own your own home. It’s owned jointly by every member of the neighborhood. That means when your HOA gets sued the damage judgments are shared equally by every member of the neighborhood. If your board does something outrageous enough to precipitate a lawsuit you could face an outrageous special assessment to pay the damage award.
With that in mind, read this next link. An HOA cuts off the water to a disabled resident. A lawsuit? Get ready to shell out big bucks.