Susheel Kesireddy was among the first people to move into a brand-new townhome community in Inver Grove Heights eight years ago.  He figured his homeowners association’s insurance would cover any needed repairs to the outside of his home, while his personal insurance covered the inside.   So he was stunned when he received a $16,116 bill from his HOA in January for a roof replacement due to hail damage.    Read the article…………………………….