Unfortunately, one of the most persistent and justifiable worries of volunteer HOA board directors is their vulnerability to lawsuits. In order to gauge one’s own vulnerability, it’s important to consider the many layers of potential immunity and general protection that apply to one’s unique situation. These include the federal Volunteer Protection Act of 1997; one’s state laws protecting volunteer HOA directors; protections within one’s HOA governing documents; protections within one’s HOA insurance policy; and any personal umbrella insurance one may have or choose to purchase. All of these layers of protection depend on meeting certain conditions generally relating directly or indirectly to the notion of a standard of care underlying one’s duties as an HOA director.   Read the article……………