HOA rule of signed contract before fence approval is rather unusual

Question: I live in a gated community with 11 individual HOAs, and a master HOA for the common areas. The homes are all “zero lot line” construction. I would like to install two sections of white aluminum fence (which satisfies our standards) on my side yard, towards my neighbor’s wall.  In order to receive approval from the HOA, I am required to submit a signed contract, contractor license and insurance certificate (showing proof of worker’s comp and liability insurance).  Does the HOA have this right?    Read the Q&A………….