With its sordid history of corrupt and out-of-control Homeowners Associations, it’s astonishing that the Illinois Legislature has once again failed to provide any relief to beleaguered homeowners.
Illinois could have changed the course of the growing national HOA scam. It failed. Sponsors of the pro-homeowner bill say they’ll try again next year. I have a suggestion for them, though. Make it illegal for an HOA board to buy insurance against lawsuits by homeowners.
No, I’ll go one better: As you divide up legal costs among homeowners, make individual board members and managers pay double the assessment charged to everyone else.
“Like A Good Neighbor” State Farm is there to destroy the homeowners/condo owners in a legal battle. It happened to me! I had been a customer of theirs for 40 years! With all sorts of damage to my townhouse due to the failed maintenance of the HOA, I contact State Farm. They told me no coverage because I failed to maintain the property. I explained I was in a maintenance-provided HOA. Doesn’t matter, your name is on the insurance policy and the title to the property, is what they told me. They would not help me at all. I sent them documentation and photos.
I stopped paying my dues. The HOA sued me. The HOA also had State Farm Insurance!
They lawyered up and the battle began. They tried everything they could to run my legal bill sky high. They stalled and stalled. Finally, we settled out of court. They could have settled the claim before it became a lawsuit and saved a tremendous amount of money but they refused to work with me. They wanted the lawsuit! I canceled my policies with them after the case was settled. I will never do business with State Farm Insurance again nor do I recommend them to anyone else. They bullied me the same way the HOA did!
As I’ve learned “Like A Good Neighbor” I do not need State Farm Insurance nor my HOA in my life. They both have destroyed my health, happiness, and bank accountants. Nobody need a “Good Neighbor” like that!
The rest of the story is…..they were representing my HOA in other lawsuits, too. They lost every single one of them and then canceled the coverage for the HOA!