Real Estate Law
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What is the $10,000 specifically for? are they fining you for not having homeowners insurance?
Is there a mandatory requirement to have it?
Do your Bylaws state the the HOA is responsible for common elements? (99.9% of the time they do)
I am not clear why they would be assessing you a charge for damages that were caused by a common element that is under their control and they are responsible for?