Real Estate Law
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So, there are a couple of options, but most of them are going to be informal. If you aren't paying dues, then you aren't going to be held to the rules of the association, but it's clear that you won't be eligible for any repairs being made on your property either. You may want to consider getting homeowner's insurance if your home is insurable, waiting the regular period before filing a claim, then filing a claim. You could also work with the HOA and ask them if they could just cut you a discount on the repairs that need to be made so they can get paid and you can get your property fixed. You could also ask for a one time exception to this as well so they may feel compelled to do it. You could also ask one of your neighbors if they would be willing to vouch for you as well if that is a possibility.