With the George Zimmerman trial dominating the news and calling attention once again to the tragic shooting of 17-year-old Trayvon Martin last year in Sanford, Fla., many homeowners need to take notice. Specifically, the horrific incident and the likelihood of a subsequent large civil lawsuit for wrongful death should serve as a wakeup call for all homeowners who are living in communities that operate homeowners’ associations and volunteer neighborhood watch programs.

So, the question remains: Are community associations and homeowners legally and financially responsible, directly or indirectly, for the actions of residents injured or killed — or whose actions harm or kill someone else — while performing neighborhood watch duties? The answer is yes, of course.

You and all the other homeowners are collectively responsible for your HOA’s financial obligations. So think about that the next time you receive a ballot to vote for your HOA officers. Wow, that changes everything, doesn’t it?

So, if the awarded damages exceed the HOA limits of liability on the insurance policy, you as a homeowner living in that community will be held personally responsible because the judge will consider every home in that HOA as collateral to cover the awarded damages.  Read More……

Thanks to our friends at About HOA’s for sharing this information