Q. Can major landscape renovation use reserve funds when too little funds are available as a line item? Q. Should HOA boards expense directly out of reserves without establishing a maintenance budget annually?  Q. Our board believes the reserve fund is just a bank account and the required reserve study is just advisory. Therefore no increases for inflation have been made for many years and we are classified “underfunded.” Is there any state agency that we can appeal to?   Read the Q&A………………………………..