How to Fight HOA Fines—and Win!
If you live in a homeowners association (HOA), chances are you’ll eventually get hit with a fine. Whether it’s for a trash can left out too long, a paint color the board doesn’t like, or a landscaping “violation,” HOA fines are more common—and more frustrating—than most homeowners expect. A 2015 survey by the Coalition for Community Housing Policy in the Public Interest revealed that 72 percent of people surveyed had been involved in a dispute with their association.
Here’s the good news: you don’t have to just accept it.
At Dessaules Law Group, we help homeowners across Arizona push back against unfair or excessive HOA fines—and often get them reduced, reversed, or dismissed entirely. Here’s what you need to know if you’ve been cited.
Fight Your HOA the Right Way
When it comes to fighting your HOA, it is important that you understand how to take on your HOA board. There are most certainly do’s and don’ts when it comes to HOA disputes.
Before we get into all the details, if you have been cited, fined, or sued by your HOA, your first step should be to contact an HOA attorney. A reputable HOA attorney will be knowledgeable and experienced in HOA dispute matters as well as state laws. Your attorney can advise you of your rights and responsibilities and also represent you when negotiating with your HOA or in court.
Common HOA Violations Against Homeowners
Here are some of the most common HOA violations filed against homeowners:
Missing HOA dues, which can lead to major fees
Not keeping up your yard or exterior to HOA standards
Making changes without approval, like new landscaping, a paint color, or even a garden gnome
Parking where you’re not supposed to
Displaying visible items like trailers, boats, or gazebos
Breaking pet rules, like having too many or pets that are “too big”Exact steps to take to fight HOA fines:
✅ 6 Smart Steps to Fight Back
1. Read the Rules
Review your HOA’s CC&Rs (Covenants, Conditions & Restrictions). You may find that the board overstepped or skipped the required steps to issue the fine.
2. Know Your Rights
Arizona law requires that fines be reasonable and properly noticed. You may have grounds to appeal if the process wasn’t followed, or the fine seems excessive.
3. Dispute the Violation in Writing
Respond to your HOA in writing and preserve your right to appeal. Ask who reported the violation and when. Follow all timelines carefully.
4. Prepare Your Case
Gather documents, take photos, and collect statements from neighbors. If the “violation” has existed for years—or others have the same issue without being fined—those facts matter.
5. Appeal the Decision
Most HOAs allow you to request a hearing. Be concise, respectful, and focused. If you’re unsure what to say, talk to a lawyer first.
6. Document Everything
Keep records and consider recording your appeal hearing. Arizona law allows it, and the recording may help if the matter escalates.
HOA Attorneys Will Make Sure Your Best Interests are Protected
⚖️ Why a Lawyer Can Make All the Difference
HOA boards often count on homeowners being confused, intimidated, or silent. Having an experienced attorney changes the dynamic. We’ll:
Review your documents and appeal strategy
Communicate with your HOA on your behalf
Represent you in hearings or court, if needed
If you need additional legal advice regarding your HOA, contact the team at Dessaules Law Group today to see how we can help protect you and fight against unjust HOA fines and violations.