By The Roofing Brief Team. Last reviewed: October 2026.
In an HOA roof replacement, who pays depends first on your governing documents and then on state law. In most condominiums the roof is a common element, so the association replaces it and every owner shares the cost through reserves or a special assessment. In most single-family HOAs the owner pays but needs architectural approval. Townhomes split both ways. Your declaration, your state statute and your insurance policies control, and this page shows where to look in each.
This is general information, not legal advice. Statutes change and associations differ, so confirm your situation with your association manager, a community association attorney in your state, or both.
Key numbers at a glance
| Item | Figure | Source |
|---|---|---|
| Florida condo roof reserve | Budget must include a roof replacement reserve regardless of the replacement cost | Fla. Stat. 718.112(2)(f)2.a (2025) |
| Florida structural integrity reserve study (SIRS) | At least every 10 years for buildings 3+ habitable stories; roof is the first required item; existing associations due by Dec. 31, 2025 (Dec. 31, 2026 at the latest if done with a milestone inspection) | Fla. Stat. 718.112(2)(g) (2025), as amended by HB 913 (2025) |
| California reserve study | Visual inspection of major components at least once every 3 years, reviewed annually | Cal. Civ. Code 5550 |
| California board-only special assessments | Capped at 5% of budgeted gross expenses per fiscal year without a member vote | Cal. Civ. Code 5605(b) |
| HO-6 loss assessment coverage | $1,000 built into the ISO HO 00 06 form; Florida requires at least $2,000 | ISO form via IIABA; Fla. Stat. 627.714 |
| Fannie Mae condo reserve test | At least 10% of the association budget to replacement reserves; announced increase to 15% for loan applications dated on or after Jan. 4, 2027 | Fannie Mae Selling Guide B4-2.2-02; Lender Letter LL-2026-03 |
| Installed price baseline | Architectural asphalt $5 to $8 per sq ft; TPO $7 to $12 per sq ft | The Roofing Brief 2026 Roofing Cost Report |
Who pays for an HOA roof replacement?
The party responsible for the roof is whoever your declaration (often called the CC&Rs) assigns it to. Condominium declarations usually make the roof a common element, so the association pays and spreads the cost across all owners. Single-family HOA declarations usually leave the roof with the lot owner. Townhome declarations go either way, so the same word, “townhome,” can mean opposite answers.
State law fills in only where the documents are silent. California, Florida and Texas all default to association responsibility for common elements and owner responsibility for units, but each lets the declaration say otherwise. That is why two neighbors in different communities can get opposite answers to the same question.
| Ownership type | Who typically owns the roof | Who typically pays to replace it | What to check |
|---|---|---|---|
| Condominium (stacked units) | All owners in common (common element) | Association, funded by reserves, special assessment or loan | Declaration definition of “unit” boundaries and common elements |
| Condo-style townhome | Association or all owners in common | Association, often with costs shared by all owners | Whether the roof is a common or limited common element |
| Fee-simple townhome | Each lot owner | Each owner, sometimes coordinated by the HOA for a whole building | Maintenance chart, party-wall and shared-roof clauses |
| Single-family home in an HOA | Lot owner | Owner, with architectural review approval | Architectural guidelines and approved material list |
| Limited common element roof (e.g., over one unit only) | All owners, but assigned to one or a few units | Association or the benefiting owners, depending on the declaration | Cost-apportionment clause for limited common elements |
Sources: Fla. Stat. 718.113(1); Cal. Civ. Code 4775; Tex. Prop. Code 82.107. Typical patterns only; your declaration controls.
How to read your governing documents on roof responsibility
Start with the recorded declaration, not the rules or a newsletter. The declaration defines where each unit ends, which parts are common elements, which are limited common elements, and who maintains, repairs and replaces each. Bylaws then set voting and assessment procedures, and architectural guidelines set color and material limits. Amendments recorded later can change any of this.
- Get the recorded declaration and every amendment. Ask the manager, or pull them from the county recorder. Older communities often have several amendments that changed maintenance duties.
- Find the unit boundary definition. If the unit ends at the interior drywall, the roof is outside it and is usually a common element. If the unit includes the structure, as in many fee-simple townhomes, the roof is usually yours.
- Find the maintenance article or maintenance chart. Look for the words “maintain,” “repair” and “replace” separately. Some documents give maintenance to owners but replacement to the association.
- Check for limited common element language. A roof over one unit or a small group may be assigned to those owners, with costs charged only to them.
- Read the insurance article. It often mirrors the maintenance split and tells you whether the master policy covers the roof.
- Read the architectural review section. It tells you whether approval is required, what the application needs and how long the committee has to respond.
- Ask for the board’s written position. If the language is unclear, a written answer from the board or its attorney is more useful than a verbal one.
What state law says: Florida, California and Texas
State statutes set the default split and add funding rules that the declaration cannot always override. Florida has the most prescriptive condo rules after the 2021 Surfside collapse, California regulates reserve studies and assessment limits through the Davis-Stirling Act, and Texas protects owner choices on roofing materials and solar. Other states have their own acts, so check yours.
| State and statute | What it says about roofs | Why it matters to you |
|---|---|---|
| Florida, Fla. Stat. 718.113(1) | Association maintains common elements, except limited common element duties the declaration assigns to owners | Condo roof is usually an association cost |
| Florida, Fla. Stat. 718.112(2)(f)2.a | Reserve accounts must include roof replacement, building painting and pavement resurfacing regardless of cost | A Florida condo budget should show a roof reserve line |
| Florida, Fla. Stat. 718.112(2)(g) | SIRS every 10 years for buildings 3+ habitable stories, roof listed first; reserves for SIRS items cannot be waived for budgets adopted on or after Dec. 31, 2024 | Underfunded roof reserves now surface as higher dues or special assessments |
| Florida, Fla. Stat. 718.3026 | Competitive bids required when a contract exceeds 5% of the total annual budget including reserves; lowest bid not required | A condo roof contract almost always triggers bidding |
| California, Civ. Code 4775 | Association repairs, replaces and maintains common area; owner handles the separate interest; exclusive use common area is maintained by the owner but repaired and replaced by the association, unless the declaration says otherwise | Default rule when CC&Rs are silent |
| California, Civ. Code 5550 | Reserve study with visual inspection at least every 3 years, reviewed annually, covering components with under 30 years of remaining life | Your reserve study should list the roof, its remaining life and its cost |
| California, Civ. Code 5605 and 5610 | Board may not levy special assessments over 5% of budgeted gross expenses in a year without a member vote, except emergencies | Large roof assessments usually need an owner vote |
| Texas, Prop. Code 82.107 | In condos, association handles common elements and owners handle units, except as the declaration provides | Default rule for Texas condos |
| Texas, Prop. Code 202.011 | POA cannot prohibit qualifying wind and hail resistant, energy-efficient or solar shingles that resemble approved shingles | Single-family owners can often upgrade to impact-rated shingles |
| Texas, Prop. Code 209.0062 | POAs with more than 14 lots must offer payment plans of at least 3 months on delinquent regular or special assessments | Relief if a roof assessment is hard to pay at once |
Florida condominium roof rules after Surfside
Florida condo associations must maintain common elements under Fla. Stat. 718.113(1), and their budgets must carry a roof replacement reserve no matter how small the cost under s. 718.112(2)(f)2.a. The reserve amount is computed from the roof’s estimated remaining useful life and estimated replacement cost.
Senate Bill 4-D (2022) created the structural integrity reserve study, and HB 913 (2025), signed June 23, 2025, revised it. As codified in the 2025 statutes, buildings three habitable stories or higher need a SIRS at least every 10 years, and the roof is the first listed item. Associations existing on or before July 1, 2022 had until December 31, 2025, or until the end of 2026 if the study is paired with a milestone inspection under s. 553.899. For budgets adopted on or after December 31, 2024, owners cannot vote to waive, reduce or divert reserves for SIRS items. Those reserves may be funded by regular assessments, special assessments, lines of credit or loans, but a special assessment, line of credit or loan used for them requires approval by a majority of the total voting interests (s. 718.112(2)(f)2.c). Buildings under three stories are exempt from the SIRS, but the roof reserve requirement in s. 718.112(2)(f) still applies.
California Davis-Stirling roof and reserve rules
Under California Civil Code 4775, unless the declaration says otherwise, the association repairs, replaces and maintains the common area, and each owner handles their separate interest. For exclusive use common area, such as a roof section serving only one home in some developments, the owner maintains it while the association repairs and replaces it.
Civil Code 5550 requires the board to have a reasonably competent visual inspection of major components done at least every three years when their replacement value is at least half the gross budget, and to review the study annually. The study must estimate remaining life, replacement cost and the annual contribution needed. Civil Code 5605(b) bars the board from imposing special assessments that total more than 5% of budgeted gross expenses in a fiscal year without approval of a majority of a quorum of members. Civil Code 5610 allows larger emergency assessments in narrow cases, such as a court order or a discovered threat to health or safety.
Texas condo and property owners’ association roof rules
Texas condominiums fall under Property Code Chapter 82. Section 82.107(a) puts common elements on the association and units on the owner, except as the declaration provides, and s. 82.111 requires the association to insure the insurable common elements for at least 80% of replacement cost or actual cash value, to the extent reasonably available. Single-family subdivisions fall under Chapters 202 and 209, which limit what a property owners’ association can restrict and how it collects.
How HOAs pay for a roof: reserves, special assessments and loans
Associations fund a roof replacement from three sources: money already saved in reserves, a special assessment billed to owners, or a loan or line of credit repaid through higher assessments. Well-funded associations pay mostly from reserves. Underfunded ones combine all three. The reserve study, the budget and the most recent meeting minutes tell you which path your association is on.
| Funding method | How it works | What owners feel | Typical approval |
|---|---|---|---|
| Reserves | Annual contributions saved toward the roof’s replacement cost over its remaining life | Steady, part of regular dues | Board, through the annual budget |
| Special assessment | One-time or installment charge to cover the shortfall | Lump sum or a payment schedule | Board up to any statutory or document cap; owner vote above it (e.g., Cal. Civ. Code 5605) |
| Association loan or line of credit | Bank lends to the association; repaid through assessments | Higher dues for several years | Per the documents; Florida lets SIRS associations use a loan or line of credit to fund SIRS or milestone work (s. 718.112(2)(f)) |
| Owner pays directly | Each owner hires and pays for the roof over their unit or lot | Full cost at once, own contractor | Architectural review approval |
Sources: Fla. Stat. 718.112(2)(f); Cal. Civ. Code 5605 and 5610. Approval thresholds in your documents may be stricter.
Worked example: reserve contribution versus special assessment
This is a Roofing Brief estimate, using a 12-unit building with a 12,000 square foot architectural shingle roof at the high end of the site baseline: 12,000 x $8 = $96,000 replacement cost. The arithmetic shows why the timing of reserve funding matters more than the roof price.
| Scenario | Arithmetic | Cost per unit (equal shares) |
|---|---|---|
| Funded early: 20 years of remaining life, $0 saved | $96,000 / 20 years = $4,800 per year | $400 per year, about $33 per month |
| Funded late: 5 years left, $20,000 saved | ($96,000 minus $20,000) / 5 years = $15,200 per year | $1,267 per year, about $106 per month |
| Not funded: roof due now, $20,000 saved | $96,000 minus $20,000 = $76,000 special assessment | $6,333 per unit, due per the assessment terms |
| California 5% cap check: $300,000 budgeted gross expenses | $300,000 x 5% = $15,000 board-only limit for the year | A $76,000 assessment would need a member vote unless Civ. Code 5610 applies |
Equal shares are used for simplicity. Many declarations allocate common expenses by unit size or another fraction, so your actual share may differ.
How much does an HOA or condo roof replacement cost?
Using the site baseline in The Roofing Brief 2026 Roofing Cost Report, architectural asphalt runs about $5 to $8 per square foot installed and TPO about $7 to $12. A typical 2,000 square foot single-family roof in an HOA lands near $10,000 to $16,000, and a 12,000 square foot condo shingle roof near $60,000 to $96,000, before regional premiums and extras. Per-unit shares depend on the declaration.
| Building (Roofing Brief estimate) | Roof area and system | Arithmetic | Total | Per unit if split equally |
|---|---|---|---|---|
| Single-family home in an HOA | 2,000 sq ft, architectural asphalt | 2,000 x $5 to $8 | $10,000 to $16,000 | Owner pays (typical) |
| 6-unit townhome row | 6,000 sq ft, architectural asphalt | 6,000 x $5 to $8 | $30,000 to $48,000 | $5,000 to $8,000 |
| 12-unit pitched-roof condo | 12,000 sq ft, architectural asphalt | 12,000 x $5 to $8 | $60,000 to $96,000 | $5,000 to $8,000 |
| 24-unit, 3-story flat-roof condo | 10,000 sq ft, TPO | 10,000 x $7 to $12 | $70,000 to $120,000 | $2,917 to $5,000 |
Source: The Roofing Brief 2026 Roofing Cost Report baseline. These totals exclude deck replacement (about $2 to $5 per square foot installed, per HomeGuide), roof consultant or engineering fees, permits and code upgrades. The same report lists regional adjustments such as +15% to +25% for non-HVHZ Florida and +25% to +40% for California.
Material, pitch and tear-off layers drive the rest of the spread. For single-home pricing detail by material and state, see the roof replacement cost guide.
Master policy vs HO-6: who insures the roof?
The association’s master policy usually insures the roof when the roof is a common element, and the owner’s HO-6 (condo unit-owners) policy covers the interior and personal property. Insurance pays only for sudden covered damage such as wind or hail. A roof that simply wore out is a maintenance cost, so neither policy pays for an age-driven replacement.
| Coverage | What it typically covers | Roof-related limits | Source |
|---|---|---|---|
| Association master policy | Common elements, including the roof, at the coverage the statute and declaration require | Florida: primary coverage for condo property as originally installed; Texas: at least 80% of replacement cost or ACV of insurable common elements | Fla. Stat. 718.111(11)(f); Tex. Prop. Code 82.111 |
| HO-6 Coverage A | Alterations, fixtures and improvements inside the unit, plus property the association documents make the owner insure | Covers the roof only if your documents make the roof your insurance responsibility | ISO HO 00 06 05 11 form, Coverage A |
| HO-6 loss assessment | Your share of an association assessment caused by a covered peril | $1,000 per loss built into HO 00 06 05 11; HO 04 35 endorsement can raise it; Florida requires at least $2,000 with a deductible of no more than $250 | IIABA Virtual University; Fla. Stat. 627.714 |
| Wear-and-tear assessment | An assessment to replace a roof that aged out | Not covered: routine maintenance is not a covered peril | IIABA Virtual University example |
The deductible is a common surprise. When a hurricane or hail claim hits the master policy, the association may pass the deductible to owners as an assessment. Under the HO 04 35 endorsement as described by the Independent Insurance Agents and Brokers of America, the insurer pays no more than $1,000 per unit of an assessment that results from the association’s deductible, even if your loss assessment limit is higher. Ask your agent how your carrier’s form handles this.
For a single-family home in an HOA, your own homeowners policy covers the roof, subject to its terms. See what homeowners insurance covers on a roof for how wear and tear, ACV and deductibles work.
Single-family HOAs: getting architectural approval for a new roof
In a single-family HOA you usually pay for the roof, but the architectural review committee decides what it can look like. Most guidelines restrict color, material, profile and sometimes brand. Get written approval before you sign a contract, because work started without approval can draw fines or an order to redo it, depending on your declaration and state law. If the home also sits in a locally designated historic district, the city’s preservation review may apply on top of the HOA’s. Our guide to historic district roof approval explains that process.
- Pull the current architectural guidelines and approved roof list. Many communities publish approved colors by manufacturer and product line.
- Get quotes that name the exact product. The bid should list manufacturer, product line, color name, and wind and impact ratings.
- Assemble the application. Include the product data sheet, a color sample or photo, the contractor’s license and insurance, and the scope (tear-off, underlayment, ventilation, drip edge color).
- Submit and get a dated receipt. Note the response deadline in your documents. Some declarations deem an application approved if the committee misses it; others do not.
- Wait for written approval, then sign and pull the permit. HOA approval does not replace the local building permit.
- Close out. Send completion photos if the committee asks and keep the approval letter with your home records for resale.
Texas limits on HOA roofing and solar restrictions
Texas Property Code 202.011 bars a property owners’ association from prohibiting or restricting an owner who is otherwise allowed to install shingles from installing shingles designed primarily to be wind and hail resistant, to provide better heating and cooling efficiency than customary composite shingles, or to generate solar power. The shingles must, when installed, resemble the shingles used or authorized in the subdivision, be more durable and of equal or superior quality, and match the aesthetics of surrounding property. In practice, an owner may be able to choose Class 4 impact-resistant shingles if they look like the approved product.
Texas Property Code 202.010 bars most HOA prohibitions on solar energy devices but lets the association enforce limits. Allowed limits include roof-mounted panels that extend above the roofline, that do not conform to the roof slope with a top edge parallel to the roofline, or whose frames, brackets or visible wiring are not silver, bronze or black. Devices installed without prior approval, or that void material warranties, can also be prohibited. The federal 25D credit for homeowner-owned solar ended for systems installed after December 31, 2025 (Public Law 119-21), so check current IRS guidance and a tax professional before relying on any incentive.
Which situation are you in?
Match your situation to the first action below. The goal is to settle who is responsible, in writing, before anyone signs a contract or pays an assessment.
| Your situation | What usually applies | First step |
|---|---|---|
| Condo owner, board announces a roof special assessment | Association replaces; cost shared per the declaration | Request the reserve study, bids and vote record; ask about payment plans |
| Condo owner with a roof leak into your unit | Association repairs the roof; interior finishes may be yours or your HO-6’s | Report in writing to the manager, photograph damage, notify your HO-6 carrier |
| Townhome owner, unsure who owns the roof | Depends on the declaration and unit boundaries | Read the maintenance article; get the board’s written interpretation |
| Single-family HOA owner replacing an aging roof | Owner pays; architectural approval needed | Submit the exact product and color before signing |
| Texas owner wanting impact-rated or solar shingles | Prop. Code 202.011 may protect the choice if it matches | Cite 202.011 in the application with product data |
| Board member planning a replacement | Reserve study, bidding and notice rules apply | Hire a roof consultant or engineer to write the scope; follow your state bid rules |
Steps for owners when the roof needs replacing
Owners get the best outcome by confirming responsibility, checking the money and protecting their own coverage before the project starts. The steps below apply whether the association or the owner is paying, and each one creates a paper trail that matters if a dispute comes up later.
- Confirm who is responsible. Read the declaration’s unit boundary, maintenance and insurance articles, and get the board’s position in writing.
- Ask for the numbers. Request the current reserve study, the reserve balance, the roof bids and the scope of work. In California, the annual budget report must summarize the reserve funding plan and state whether the board anticipates a special assessment, with its estimated amount and timing (Civil Code 5300). In Florida, the association must distribute the SIRS, or a notice that it is available, within 45 days of receiving it (s. 718.112(2)(g)).
- Check the vote and notice. Compare any special assessment with the approval limits in your documents and state law, such as the 5% board limit in California Civil Code 5605(b).
- Ask about payment options. Texas POAs with more than 14 lots must offer payment plans on delinquent assessments (Prop. Code 209.0062), and many associations offer installments voluntarily.
- Call your HO-6 agent. Ask whether the assessment is covered (usually only if a covered peril caused it) and whether to raise your loss assessment limit.
- Prepare your unit. Move attic storage, protect interior items from debris, and note pre-existing ceiling stains with dated photos.
- Keep records. Save the warranty registration, final inspection and completion notice for resale disclosures.
Steps for boards planning an association roof replacement
Boards carry a fiduciary duty to owners, so the process matters as much as the price. A defensible roof project starts with a written condition assessment, follows the reserve study and the state bid rules, and keeps owners informed before money is committed. In Florida, willfully failing to complete a required SIRS is a breach of the directors’ fiduciary duty under s. 718.112(2)(g).
- Document the condition. Commission an inspection by a roof consultant, engineer or qualified inspector, and compare remaining life with the reserve study.
- Confirm responsibility and authority. Have the association attorney confirm which roof areas are common elements and what vote, if any, the funding plan needs.
- Write one scope for every bidder. Specify tear-off, deck replacement unit price, underlayment, ventilation, flashing, manufacturer system and warranty so bids compare line by line.
- Bid it competitively. Florida condos must obtain competitive bids when a contract exceeds 5% of the total annual budget including reserves (s. 718.3026). Three or more bids is a common practice elsewhere.
- Choose the funding plan. Decide the mix of reserves, special assessment and loan, and give owners notice as your documents and statute require.
- Sign a written contract. Include license and insurance proof, a payment schedule tied to completed work, lien releases, a cleanup and access plan, and the manufacturer warranty registration.
- Communicate the schedule. Tell owners the start date, parking and access limits, and how to report interior leaks during work.
- Close out and update reserves. Get the final permit inspection, warranty documents and as-built record, then update the reserve study with the new roof’s useful life.
Bidding and contracts for an HOA roof project
An association roof contract should be written to a common scope, compared line by line, and awarded on value rather than price alone. Florida law states that the association is not required to accept the lowest bid (s. 718.3026). Florida also requires a design professional or contractor who bids on a SIRS to disclose in writing any intent to bid on the repair work the study recommends (s. 718.112(2)(g)).
| Contract item | What to require | Why |
|---|---|---|
| License and insurance | State license number, general liability and workers’ compensation certificates naming the association | Protects the association from claims on common property |
| Scope and unit prices | Square count, tear-off layers, deck replacement price per sheet or sq ft | Prevents change-order disputes when rotten deck is found |
| Manufacturer system and warranty | Named product line, accessories and the warranty tier to be registered | Warranty eligibility often depends on using the full system |
| Payment schedule | Deposit per state limits, progress payments tied to completed sections, retainage until final inspection | Keeps payments matched to work |
| Lien releases | Conditional and final releases from contractor and major suppliers | Keeps liens off common property |
| Owner access and protection | Work hours, parking, debris control, interior leak protocol | Reduces disputes with residents |
| Conflict-of-interest disclosure | Written disclosure of any tie to the inspector or reserve study firm | Required for SIRS-related work in Florida |
Vet each bidder the same way a homeowner would, with extra attention to multi-family references. Use the 15-point contractor vetting checklist as a starting point.
Frequently asked questions
Does HOA pay for roof replacement?
It depends on how your governing documents classify the roof. In most condominiums the roof is a common element, so the association replaces it with reserves or a special assessment that every owner shares. In single-family HOAs the owner usually pays. Townhomes vary: some declarations make the association responsible, others leave each owner in charge of the roof above their unit.
Does HOA need to know about roof replacement?
Usually yes. Most declarations require architectural review approval before any exterior change, and a roof replacement changes color, material and profile even when the product looks similar. Submit the manufacturer, product line, color name and a sample before signing a contract. Starting without written approval can lead to fines or an order to redo the work, depending on your documents and state law.
Is the HOA responsible for the roof of a townhome?
Only if the declaration says so. Many condo-style townhomes treat the roof as a common element maintained by the association, while fee-simple townhomes often leave each owner responsible for the roof above their lot. Shared ridges and party-wall flashing are a common gray area. Read the maintenance chart or the maintenance article in the declaration, and ask the manager for the board’s written interpretation.
Does HOA normally pay for water damage from a different unit into your ceiling?
Not automatically. Responsibility often turns on where the water came from, whether anyone was negligent, and what your declaration and state law assign. A leak from a common-element roof is usually an association matter for the building parts, but interior finishes may fall to your HO-6 policy. In Florida, for example, the master policy must exclude floor, wall and ceiling coverings inside a unit (s. 718.111(11)(f)).
Do condo HOA fees cover roof replacement?
Part of your monthly fee may. Many condo budgets include a reserve contribution that builds toward roof replacement, and Florida requires condo budgets to include a roof replacement reserve regardless of cost (s. 718.112(2)(f)). If reserves fall short when the roof is due, owners typically make up the gap through a special assessment, a loan repaid by assessments, or both.
How often do condos replace the roof?
That depends on the roof system, climate and maintenance, so the association’s reserve study is the best source for your building. California requires a visual inspection of major components at least every three years for the reserve study (Civil Code 5550), and Florida requires a structural integrity reserve study that includes the roof at least every 10 years for buildings three habitable stories or higher.
How much does it cost to replace a roof on a condo building?
Using The Roofing Brief 2026 baseline of $5 to $8 per square foot for architectural asphalt and $7 to $12 for TPO, a 12,000 square foot shingle roof may run about $60,000 to $96,000, and a 10,000 square foot TPO roof about $70,000 to $120,000, before deck repair, consultant fees, permits and regional premiums. Each owner’s share is set by the declaration.
Sources
- Florida Statutes (2025): ss. 718.111(11), 718.112(2)(f) to (g), 718.113(1), 718.3026, 553.899 and 627.714, via the Florida Senate (flsenate.gov).
- Florida Governor’s Office, press release on signing HB 913 (June 2025).
- California Civil Code ss. 4775, 5300, 5550, 5605 and 5610 (Davis-Stirling Common Interest Development Act), via leginfo.legislature.ca.gov.
- Texas Property Code ss. 82.107, 82.111, 202.010, 202.011 and 209.0062, via statutes.capitol.texas.gov.
- ISO Homeowners 6 Unit-Owners Form HO 00 06 05 11 (as filed with the Maine Bureau of Insurance); Independent Insurance Agents and Brokers of America, Virtual University: Loss Assessment Coverage (HO 04 35).
- Fannie Mae Selling Guide B4-2.2-02, Full Review Process; Fannie Mae Lender Letter LL-2026-03.
- The Roofing Brief, 2026 Roofing Cost Report; HomeGuide decking cost range.