[Rick Lee]

I have been very lucky, living in an HOA for 10 years and having never heard from the HOA. I am on nextdoor.com and read a lot of horror stories about enforcement and HOA board shenanigans. But so far I have not had firsthand experience with it. I know my luck will run out one day.

OTOH, I work in a lot of non-HOA areas, the kind of scenarios HOAs were invented to prevent. One guy I visited in a trailer park had his trailer totally destroyed by a gas explosion. His insurance denied the claim, so he lives in the rubble with a rented makeshift chain link fence around it. You wouldn't believe it unless you saw it. I can't believe the county even allows that, but an HOA surely never would.