HOA HELL, a groundbreaking book for California homeowners by Michael B. Kushner

IS YOUR HOA

MAKING YOUR LIFE A LIVING HELL?

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THE DAVIS-STIRLING ACT

The Davis-Stirling Act is a set of laws that govern all common interest developments located in California. (Civ. Code, §§ 4000-6150.). Since its passage in 1985, and through its most recent amendment, which went into effect on January 1, 2014, the Davis-Stirling Act acts as the primary rulebook that all common interest developments must follow.

Common interest developments in California take several forms, including (i) planned unit developments; (ii) community apartment projects; (iii) condominium projects; and (iv) stock co-ops.

Within the confines of those four types of developments, you’ll find all sorts of housing arrangements that you’re more familiar with, from detached homes (sometimes referred to as single-family houses), to condominiums, townhomes, and apartments located in tall buildings. But no matter what type of common interest development you might live in, it is governed by a board of directors known as an HOA (i.e., a homeowners association), and that HOA must operate within the confines of the Davis-Stirling Act.

You’re probably already keenly aware of how important a role your HOA plays in maintaining the value of your property and helping you enjoy your home. A good HOA can help keep your property value high; a bad HOA can force your property value to drop and otherwise turn your life upside down. A good HOA is invaluable; a bad HOA is typically a nightmare for its members.

MBK Chapman’s attorneys are experts in representing clients in cases involving the Davis-Stirling Act, representing homeowners throughout the State of California in all manner of disputes involving their HOAs (and neighbors), including:

FAILURE TO REPAIR / FAILURE TO MAINTAIN

In almost all cases, California HOAs are required by their CC&Rs to maintain, repair, and replace the association’s common area components. (Civ. Code, § 4775; see also Civ. Code, § 5550.) Those are, in fact, among an HOA’s most fundamental duties.

If an HOA neglects those duties by, say, refusing to make necessary repairs to a shared condominium roof, then that HOA is in violation of the Davis-Stirling Act, and thus not only can a member of the HOA force the association to make the repairs, but that same member can hold the HOA liable for any damages the owner suffers as a result of the HOA’s unreasonable delay or refusal to make the necessary repairs.

In short, your HOA might be liable to you for violating the Davis-Stirling Act if it:

  • refuses to fix (or delayed in fixing) a known leak on your condominium’s roof that later results in water damage to your property;
  • ignores structural damage to a common area building that threatens to cause even greater damage down the road;
  • neglects to make repairs to your community’s pool and spa, thus robbing you and the other members of its use during the hot summer months; or
  • fails to slurry your association’s roads, resulting in potholes that damage your car.

If you'd like to know more, you might be interested in reading the following Articles & Fact Sheets:

Contact Us to Discuss Your HOA Dispute By Calling: (949) 767-3910

In this episode of HOA HELL, California's #1 homeowner-side HOA lawyer, Michael Kushner, tackles one of the most frustrating and costly HOA disputes homeowners face: when the HOA refuses to repair or maintain common areas. From leaking roofs and cracked patios, to slope failures and hidden pipe damage, these common area nightmares cause real harm and often leave homeowners stuck with the bill.

VIOLATIONS OF THE CC&Rs AND OTHER GOVERNING DOCUMENTS

Your HOA’s governing documents are made up of not only the CC&Rs, but also your association’s bylaws, rules, and architectural guidelines. (Civ. Code, § 4150.) The CC&Rs, however, are the most important. An HOA’s CC&Rs are recorded with the county recorder’s office and they constitute the rulebook for you and your HOA, spelling out the rights and obligations that its members owe to the association, and vice versa. Your CC&Rs are, therefore, treated by law as a binding contract that addresses many very important issues, including: (i) the power and authority of the board of directors; (ii) what homeowners may do and not do with their properties; (iii) the association’s and homeowners’ mutual maintenance obligations; (iv) regular and special assessments; (v) lien rights and limitations; and (vi) the day-to-day management of the HOA.

Even though your HOA’s board of directors enjoys many of the same powers and responsibilities as any corporation’s board, your HOA’s board is made up of volunteers who often have no experience running a business, and certainly no experience with the Davis-Stirling Act. Problems arise when board members either fail to do their jobs, or they act arbitrarily, dishonestly, or capriciously. Typical CC&R violations by HOAs include things like:

  • failing to preserve, maintain, or repair the association’s common areas;
  • failing to address another owner’s nuisance behavior;
  • failing to enforce the HOA’s governing documents, especially when such failure is negatively affecting the rights of another HOA member;
  • failing to properly manage or account for the HOA’s finances;
  • failing to follow the election requirements contained in the Davis-Stirling Act; and
  • harassing certain members or treating some HOA members differently than others.

If you'd like to know more, you might be interested in reading the following Articles & Fact Sheets:

Contact Us to Discuss Your HOA Dispute By Calling:(949) 767-3910

In this episode of HOA HELL, California HOA lawyer and pioneer in homeowner-side law, Michael Kushner, walks HOA members through their CC&Rs, explaining which provisions they can safely skip and which ones they must read and understand. Instead of slogging through a hundred pages of legalese, this guide helps you focus only on the sections that directly impact your daily life and your rights as a homeowner.

DISCRIMINATION AND HARASSMENT

HOAs must abide by the same antidiscrimination and antiharassment laws/regulations that all businesses and associations do. This means that HOAs are not permitted to violate the Fair Employment and Housing Act, the Americans with Disability Act (but only as to the common areas), the Fair Housing Act, the Unruh Civil Rights Act, and most importantly, the Davis-Stirling Act. These laws, and others, of course, not only prohibit discrimination and harassment on the basis of race, gender, sexual orientation, religion, disability, etc., but they also require HOAs to make reasonable accommodations to people with disabilities.

Many older HOAs had overtly discriminatory racial quotas in their CC&Rs. And while most of those CC&Rs have since been updated to remove such language, that does not mean that HOAs don’t regularly violate antidiscrimination laws. Many HOAs still engage in conduct that violate rights of its members and residents by, for example:

  • refusing to permit a disabled resident from building a ramp (violates reasonable accommodation regulations; see Civ. Code, § 4760);
  • prohibiting a resident from displaying a political banner on the resident’s property (violates Civ. Code, § 4710);
  • refusing outright to permit a resident from having a service or comfort animal (violates reasonable accommodation requirements; might also violate other statutes, such as Civ. Code, § 4715);
  • barring a resident from operating a daycare center in their home (Health & Safety Code § 1597.40);
  • barring domestic partners from enjoying membership rights; and
  • controlling occupancy by redefining the term “family” from its legal definition.

View related Articles & Fact Sheets:

Contact Us to Discuss Your HOA Dispute By Calling: (949) 767-3910

In this episode of HOA Hell, California HOA lawyer and pioneer in homeowner-side HOA law, Michael Kushner, tackles real-life mental health scenarios in California HOAs and explains how disability protections intersect with nuisance rules. You’ll hear how FHA and FEHA apply, where boards cross the line with harassment, public shaming, or refusing reasonable accommodations, and what practical accommodations and processes actually look like.

DISPUTES BETWEEN NEIGHBORS

For the vast majority of people who live in communities governed by an HOA, they live in close proximity to other people. In short, most people have neighbors. “Neighbor disputes” do, therefore, form the basis of many disputes between homeowners and their HOAs (and neighbors). Some of the more common claims that give rise to liability against a neighbor, and in many cases the HOA as well, occur when your neighbor or HOA is guilty of:

  • trespassing onto your property—either directly by walking onto your property, or indirectly, such as by allowing water to spread onto, or under, your property;
  • participating in illegal activities (e.g., drug dealing, non-permitted activities, etc.) (Civ. Code, § 3479); or
  • causing excessive noise, or for that matter, engaging in any other activities that interfere with your reasonable use and quiet enjoyment of your property.

Contact Us to Discuss Your HOA Dispute by Calling: (949) 767-3910

In this first episode of HOA HELL's 6-part Neighbor Dispute Series, California #1 HOA lawyer and pioneer, Michael Kushner, breaks down one of the most common (and misunderstood) legal tools in California neighbor law: the private nuisance. Whether it’s relentless noise, recurring foul odors, or something harder to pin down like light pollution, Kushner explains when everyday annoyances cross the legal threshold and become actionable. Drawing from Civil Code § 3479 and local ordinances, this episode walks you through the elements of a nuisance claim, how to distinguish between permanent and continuing nuisances, and what kind of relief you can get (e.g., injunctions, money damages, etc.). You'll also get practical tips on how to document incidents, avoid common mistakes, and strengthen your case before calling a lawyer.

Click here for Part 2 of this 6-part Neighbor Dispute series from the HOA HELL podcast.

Part 3 is here | Part 4 is here | Part 5 is here | Part 6 is here.

COMMON AREA DISPUTES

Simply put, your HOA’s common areas refer to areas that are owned by the HOA (rather than by any particular member(s) of the HOA). (Civ. Code, § 4095.)

While many HOAs have in common certain typical kinds of common areas, such as greenbelts/landscaping, sidewalks/walkways, swimming pools, and tennis courts, the other types of common areas you’re likely to see in an HOA have more to do with the type of association you joined. For example, in typical multi-unit communities (e.g., condominiums and townhomes), where the HOAs typically own everything but the air space in the individual units, the common areas you tend to find include things like roofs, hallways and staircases, parking lots/carports, HVAC systems, buildings, and plumbing/electrical.

Regardless, because an association’s common areas are considered amenities by the members, and because they are often very expensive to construct and maintain, frequent common area-related disputes between condominium owners and their HOAs arise regarding things like an HOAs:

  • failing to make necessary repairs to the common areas;
  • failing to reasonably maintain the common areas;
  • neglecting a condo owner’s damage to or destruction of the common areas;
  • neglecting to take action against a condo owner who has taken exclusive control over a portion of a common area;
  • facilitating the transfer of some portion of the common area to a condominium owner without membership approval; or
  • allowing the destruction of a portion of the common area.

If you'd like to know more, you might be interested in reading the following Articles & Fact Sheets:

Contact Us to Discuss Your HOA Dispute By Calling: (949) 767-3910

Some HOAs are failing to perform the most basic duty they owe to their members—maintaining, repairing, and replacing common area elements. In this episode of HOA HELL, leading pioneer in homeowner-side HOA law in California, Michael Kushner, breaks down why so many California HOAs fall short, how that failure puts YOU at legal and financial risk, and what red flags you should be watching for if your board is dragging its feet. From cracked stairways and leaking roofs to ignored inspection reports and deferred slope repairs, Kushner walks listeners through the most common scenarios where HOA neglect creates real danger. He also outlines exactly what steps you can take to force action before your property value, and your safety, are put at risk.

SELECTIVE ENFORCEMENT / PREFERENTIAL TREATMENT

Your HOA has a duty to enforce the CC&Rs in a manner that is not arbitrary or capricious, as well as by “procedures which are uniformly applied.” Unfortunately, human nature being what it is, condo owners frequently find that the board members of their condominium association’s “serve” because they enjoy the power that being on the board gives them, or they like to tell people what to do. These people are the ones who treat their HOAs like their own personal fiefdoms, often granting themselves and their friends privileges that they deny to other members. Such selective enforcement is illegal.

You may have a claim against your HOA for selective enforcement if your HOA:

  • allows a board member to enjoy a perk or privilege denied to other similarly situated condominium owners;
  • denies your application for an improvement to your condo after having already approved applications from other similarly situated condominium owners;
  • strictly enforces certain rules against you while ignoring similar violations of other members; or
  • arbitrarily enforces certain rules while ignoring others.

If you'd like to learn more about selective enforcement in California HOAs, read the following Articles & Fact Sheets:

Contact Us to Discuss Your HOA Dispute By Calling: (949) 691-3317

In this episode of HOA HELL, California HOA attorney and pioneer in homeowner-side HOA law, Michael Kushner, breaks down one of the most common (and most destructive) forms of HOA abuse in California: selective enforcement. Through real case examples, including a dramatic greenhouse dispute in an upscale San Diego community, Michael exposes how bad HOAs apply rules unevenly to reward friends and punish critics. This episode explains how homeowners can recognize selective enforcement, prove it, and demand equal treatment under the Davis-Stirling Act.

NEGLIGENCE BY YOUR HOA / NEIGHBOR

In simple terms, negligence is the failure to act reasonably in a given situation. If your HOA and/or neighbor cause damage to you or your property as a result of unreasonable conduct on their part(s), you may file a claim for negligence.

For example, you may have a strong negligence claim against your HOA/neighbor in any of the following types of situations:

  • while watering their balcony, an upstairs neighbor allows an unreasonably excessive amount of water to flow onto your balcony, causing damage to your property;
  • your HOA fails to reasonably maintain the common areas, resulting in expensive replacements and repairs; or
  • you report a roof leak in your condominium building that the HOA either ignores or delays before taking action, causing damage to your property.

Contact Us to Discuss Your HOA Dispute By Calling: (949) 767-3910

When water leaks into your home, most homeowners are told one of two things: the HOA has to pay for everything, or go through your own insurance. Both answers are often wrong. In Part 1 of this two-part HOA HELL episode, California HOA lawyer and pioneer in homeowner-side HOA law in California, Michael Kushner, breaks down why water intrusion disputes are so common in California HOAs, and why bad boards and managers give oversimplified answers that can cost homeowners thousands of dollars.

You can find Part 2 of that episode here.

WE LITERALLY WROTE THE BOOK ON BEATING BAD HOAs

HOA HELL

California Homeowners‘ Definitive Guide to Beating Bad HOAs

 

WOULD YOU LIKE A FREE ESSENTIAL GUIDE TO HOMEOWNER ASSOCIATIONS?

THIS ESSENTIAL GUIDE CONTAINS VALUABLE INFORMATION ABOUT:

  • What an HOA is
  • Your Rights as a Homeowner and HOA Member
  • Detailed Answers to Frequently Asked Questions

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TESTIMONIALS

I am so grateful for the representation from MBK Chapman. With one simple demand letter the problem was rectified. They are wonderful to have in your corner!

5 Star Review, Yelp, Posted by Martine L.

Michael Kushner is an amazing attorney! It is great to have such a savvy business attorney, whether creating contracts or analyzing vendor relationships, he is my go to!

5 Star Review, Yelp, Posted by Rosie S.

I am so grateful to Michael Kushner for defending me during my real estate nightmare, and recovering all my damages! He is brilliant!!

5 Star Review, Yelp, Posted by Christie D.

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COMBINED YEARS OF EXPERIENCE

CASES LITIGATED

CONSULTATIONS

PRIORITY: YOU

OUR TEAM

MBK Chapman is led by highly experienced HOA, business, and real estate litigation attorneys with decades of real-world courtroom and transactional experience. The firm is staffed by seasoned lawyers who handle complex, high-stakes matters across homeowner-side HOA law, business litigation, real estate disputes, and corporate representation. Clients who retain MBK Chapman quickly understand why the firm has earned a strong reputation for disciplined advocacy, strategic judgment, and consistent results in difficult cases.

MBK Chapman is also widely recognized as California’s most experienced and leading homeowner-side HOA law firm. Michael Kushner, the firm’s managing partner, pioneered the systems and strategies currently used by the largest homeowner-side HOA law firms in California. Backed by those strategies and systems, Kushner and his team have spent decades representing homeowners in disputes involving issues including abusive boards, selective enforcement, illegal fines, architectural denials, records violations, and other forms of misconduct perpetrated by bad HOAs and management companies. His work in this area has helped shape how homeowner-side HOA cases are handled statewide.

Whether negotiating and resolving complex business and real estate disputes, drafting sophisticated corporate and real estate agreements, or litigating matters through trial, the attorneys at MBK Chapman bring a battle-tested approach grounded in experience, preparation, and accountability. The firm’s lawyers are known for their ability to assess risk realistically, apply pressure effectively, and pursue outcomes that protect their clients’ long-term interests.

Together with a deep bench of experienced attorneys and professional staff, MBK Chapman delivers focused, results-driven legal representation across its practice areas, combining trial experience, transactional insight, and strategic enforcement to meet the demands of complex legal disputes.

Michael B. Kushner

Managing Partner|California

William D. Chapman

Shareholder Emeritus|California

Sean Mills

Senior Partner|Florida

Jason Boss

Senior Partner|California

Jessica Grazul

Partner|California

Sara Etemadi

Partner|California

Sam Khil

Senior Associate|California

Torri Patel

Associate|California

Xu Shirly Sun

Associate|California

Denetta E.J. Scott

Senior Associate|California

Craig Koelling

Associate|Florida

Jess Rodriguez

Senior Associate | California

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