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Thanks for writing back -- good to hear from you.
I will be glad to comment further -- please see below.
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"So, what does all that mean????" It means the homeowners' association cannot disclaim liability for the damages you have described. In plain terms, they are not "off the hook" in terms of their legal duties (responsibilities). You had asked for, "any statute I can refer to?", so that was what I was trying to provide pursuant to your request.
I hope that helps a bit more and that things work out properly for you in this matter.
Take care and thanks again for choosing JustAnswer®!
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