Real Estate Law
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Hello: This isCustomer Welcome to JustAnswer! I am reviewing your post, and I will post my response very shortly. Thank you for your patience.
I am sorry to read about your difficulties. You have two options: (1) stop paying the HOA fees and mortgage and let them foreclose since the property is not habitable and HOA refuses to do something about it and your insurance company has denied your claim; (2) file lawsuit against the HOA to force the repair and payment of your expenses. You would need the services of a local Attorney who handles HOA/Condo issues to assist you with the case.
You can use the following sites to find local consumer/HOA Attorneys:
Goodluck with your case,