All posts by admin

When Does Delinquency in Condo Common Fees Cause Collections?

A.V. from Hartford County writes:

Dear Mister Condo,

How many months of condo fees do I need to be behind before being sent to attorneys for collection?

Mister Condo replies:

A.V., I am sorry you have to ask such a question. I hope your financial situation improves and you get caught up on your common fees. Associations have the ability to send any overdue account to a collections agent as soon as it becomes overdue. For practicality purposes, most association will allow a 30-day period (with fines or fees after 10 days for late payment). After 30 days, a letter of demand is usually sent. After 60 days, referral to an attorney or other collection agent is common. At that time, the collection agent will take or recommend more aggressive action which can actually lead to foreclosing on the unit for delinquency. This is an extremely aggressive action but it is necessary to keep the association solvent. After all, common fees are the lifeblood of the association. If unit owners stop paying them, the association cannot provide the services these common fees are used to pay for. Unit owners who don’t pay their fees are getting a “free ride” at the association’s expense. They still get snow and trash removed, lawns kept, insurances paid for and much more. It isn’t fair to the association members who pay their fees on time to carry another unit owner. If you do find yourself turned over to a collection agent, my advice is to work out a payment plan if allowed and get yourself current as quickly as possible. Common fees alone can be expensive. Having them compounded with late fees and collection fees will quickly make a bad situation much worse. Good luck!

55+ Condo Reluctant to Allow Young Family Member Residence

C.D. from Florida writes:

Dear Mister Condo,

I live in a condo I own for 55+. Recently, my six-year-old granddaughter was removed from her parents by CPS and placed with me do I have to move?

Mister Condo replies:

C.D., I am sorry that your granddaughter was removed from her parents’ custody. She is fortunate to have loving grandparents to take her in. However, unless your condo documents allow for family members under the designated age for residents of the community, you may very well have to vacate your unit and find a more suitable community to raise her. There are exceptions and you might want to speak with your condo association Property Manager and Board to plead your case. You may also want to speak with a locally qualified attorney who can offer you legal advice on your predicament. I do know of some communities that are willing to bend the rules, but just a bit. For instance, if someone under the stated age inherits a unit and wishes to reside there. Typically, the inheritor is not that far away from the stated age, so the problem corrects itself in short order. I also know of communities that follow an “80/20” rule meaning that as long as at least 80% of the units are adhering to the age rule, the community has some flexibility in allowing a few (less than 20%) of units to house folks that aren’t of the appropriate age. Again, there is no requirement to do so but I do know of some that have made exceptions. I think the real issue here is the young age of your granddaughter. Folks that buy into a 55+ age-restricted community do so with an expectation of finding nothing but folks their age in the community. Perhaps, that is even why you purchased into this community? You certainly wouldn’t expect to hear the sounds of children playing or riding a bike or other activities associated with childhood within such a community. There is also the challenge of providing peer friendship for your granddaughter. She isn’t likely to find playmates here as she would most likely be the only child in the community. I am sure there are no child-friendly amenities like a playground for her to enjoy. It might be in her best interest as well as your own to find a more suitable environment to raise her. That being said, you asked if you “have” to move. My answer is “maybe”. Follow the steps I outlined above for a more definitive answer. I wish you and your granddaughter the best of luck!

If the Condo Keeps Doing What It Has Always Done…

K.G. from Litchfield County writes:

Dear Mister Condo,

We are fairly new to our three-unit condo community. Two of the units, the ones where the Secretary and the Treasurer reside, are reasonable and interested in a positive and well-governed board with productive meetings. The other unit, in which the long time President resides, there is dysfunction and a constant need to have its residents (not board members) take over the meetings and highjack the agenda so that nothing is ever accomplished. It appears we need help. I have two questions that I am hoping you can assist me with. The first, is where can one enlist a mediator or someone to monitor these meetings more effectively? You have suggested to us before that the President should be voted out. It won’t happen as no one else is willing to take over. We could hire an attorney but it seems quite costly. Do mediators exist in Connecticut that could only act as moderators and run the meetings and keep them on task? My second question is that I have scanned the webinars on the CAI website for the Connecticut chapter and there are several that look like they might help. Can you suggest one that would be beneficial to a new board member who does not have any legal experience or real experience on a board? I saw several for resolving conflict and behaviors. Also, would my husband and I benefit from becoming members? We are a small condo Association with only five people residing here. We would appreciate any guidance as we would like to move forward in a more positive manner.

Mister Condo replies:

K.G., thank you for writing back. Many attorneys that specialize in community association law can also serve as mediators. However, mediation is only an option when there are two parties looking to reach a settlement. From what you have described to me here, that really isn’t the case. Let me quote your question here: “You have suggested to us before that the President should be voted out. It won’t happen as no one else is willing to take over.” Really? No one else is willing to volunteer their time to fix this problem? Then, guess what? The problem is likely to persist. If no one is willing to volunteer their time to serve then the association is getting what it deserves. I know that sounds harsh but let’s face reality here. People are willing to invest a hundred thousand dollars and much more in their unit but then aren’t willing to step up and serve? That is short-sighted and a formula for many long-term problems. My original response is here:

The local chapter of the CAI offers several excellent and local training programs. Among the very best is a program called “Condo, Inc. 1”. The next session is right around the corner on September 16th. You can learn more and/or register here – I cannot recommend this program strongly enough for an association like yours. I think you (and other interested unit owners and Board Members) need to hear from local experts on how best to run your association. This program fits the bill perfectly. I hope you attend. All the best!

Can Non-Resident Unit Owner Serve on Condo Board?

L.M. from Pennsylvania writes:

Dear Mister Condo,

Our development has been condos since 1985 and this issue has never arisen before. Can a non-resident owner be on the Executive Board, and now that the issue has arisen, can the board discuss and adopt and vote on a resolution to clarify that a non-resident (investor; never resided in development) cannot be a board member as such positions are open to residents only?

Mister Condo replies:

L.M., I am not surprised to learn that this question has not come up before. Without reviewing your condo documents, I wouldn’t have any way of giving you a definitive answer. I will say that the first place you should look is your Declaration and By-laws. Typically, there is a section on governance and who is and isn’t eligible to hold a director or Board Member position. If your documents are silent on the subject, you would then turn to your state laws for common interest communities and/or corporations as those apply to your condominium. It is not uncommon to have an ownership requirement for a director to serve. A requirement to reside in the association is far less common and truly unfair as there are many times when an owner is not a resident. All owners, regardless of whether they reside in the condo or not, have a vested interest in the well-being of the community. If the Board passed a rule requiring residency that violated any non-resident unit owner’s rights, don’t be surprised if the association gets sued. I would advise speaking with the association’s attorney before taking any such action. Good luck!

Condo Board Should Perform Property Manager Review

J.B. from Hartford County writes:

Dear Mister Condo,

I am new to our condominium board. The previous board never reviewed our property management company. I would like to do that on an annual basis – to assess their work and performance for the year. Do you have any suggestions as to how to do that (quantitative, qualitative) and who should do it (Board only, homeowners)? Thank you.

Mister Condo replies:

J.B., reviewing the work and services of every vendor employed by the association is a great idea. The Property Management Company is just that – another vendor. However, unlike other vendors who perform work and leave, the Property Manager is with the association 24/7, 365 days per year. Generally speaking, if the Board is unhappy with the work or the price paid for the service, it is known immediately. Also, Property Managers have contracts, usually for multiple years. These are not easily broken unless clauses have been violated. If you were to review a management company at Year 2 of a 5-year contract and determine you were unhappy, you couldn’t simply break the contract without consequences. That doesn’t mean you shouldn’t review the work, just understand that you have limited options to remedy any dissatisfaction until the contract is up for renewal. The best review I know of is to pull out the management contract and assign a grade system for each of the functions that the Property Management firm is responsible for. Typically, that would include accounting and bookkeeping, customer service, and service to the Board. Additionally, many property management firms also handle interactions with vendors and contractors, and may even provide certain other property management services such as landscaping, snow and trash removal, handyman work, etc. While you may seek feedback from homeowners, the Property Manager works for the Board. The Board would be the appropriate group to review the work. Good luck!

What’s the Law on Allowing Solar Panels in the HOA?

R.G. from Hartford County writes:

Dear Mister Condo,

Are there any laws regarding solar panels in CT regarding HOA from not allowing installation of same?

Mister Condo replies:

R.G., there are no laws in Connecticut that require an HOA to allow solar panels. Generally speaking, HOAs are autonomous on this matter and the folks running the HOA make the decisions on whether or not the solar panels are architecturally correct for the community. That being said, if enough home owners within the HOA want them, solar panels are generally approved within the HOA but with certain governance restriction such as where exactly they may be placed, the responsibility of maintenance of the panels by the home owner and so on. Some states do have laws that prohibit an HOA from banning solar panels. As I write this column, Connecticut is not one of those states. I gave a similar reply last September. You can read that answer here if you would like: Good luck!

Condo Let Lapse FHA and VA Certification

C.W. from New Haven County writes:

Dear Mister Condo,

Our complex has always maintained FHA/VA certification. This certification certainly can be viewed as either a positive or negative by some. As I understand it, last fall the government separated the two, requiring two separate certifications. My complex let the certification lapse and then chose only to renew the FHA certification. Now, the FHA cert costs about $1800 with attorney’s fees and is only good for a limited time (I believe 2 years), the VA certification is a lifetime certification and a one-time expense of approximately the same amount. There was nothing in our complex financials reflecting payment or budget for either. There was no notification from the board regarding maintaining or dropping either. I only found this out because I had put my unit for sale and was notified of the lack of certification. After going to the Board, they said they were unaware of the separation of certifications. I lost my first buyer because it was during the lapse of either, and then lost my second buyer because of the non-VA renewal. The board originally asked if I would front the cost and they would reimburse me at the closing, which I agreed. They then reneged and asked me to pay half, then they said they would not reimburse me at all but would supply the attorney with the paperwork. I have lost both buyers because of this. I am now 4 months later with no buyers and multiple price drops. Do I have some sort or recourse because of the lapse and non-renewal and no notification or owner vote regarding this? Certainly, I would think that this certification has a reflection on our unit value. Thanks.

Mister Condo replies:

C.W., I am certainly sorry that you have lost a few buyers for your unit while this debacle unfolds. I should point out that I am not an attorney and offer no legal advice in this column. You should speak with qualified counsel to see if you have any type of legal remedy worth pursuing. You are correct to point out that there are differences between FHA and VA certification. Generally speaking, FHA certification is required for the condominium association for any mortgages that are FHA insured (most are these days). VA certification is specific to the VA-backed loan program and has a different set of requirements. If your complex had VA certification at one time, I am not sure how they lost it. FHA certification is a renewable program so it does have to be sought and reapplied for from time to time as required by the FHA. To optimize mortgage opportunities, many condominium associations opt for FHA certification. Not all bother with VA certification as it is a much narrower pool of buyers who require such certification. Neither are required to be carried by the association, which is why I question your ability to claim an association-caused loss because of the lack of the certification. Your pool of potential buyers is certainly smaller without the FHA certification but you are still unencumbered by the association when you do sell. The Board should take the best interests of all unit owners into consideration when deciding to renew or let lapse FHA certification. Ultimately, if the unit owners want it and the Board refuses to get it, it is time for a new Board. All the best!

Condo Insurance Payment Made to Unit Owner for Building Damage

S.V. from outside of Connecticut writes:

Dear Mister Condo,

There was damage to the outside of our building. Insurance check was made payable in the name of a condo owner, who is the brother of president of condo association, in the amount of $6,000.00. I could not get an answer from either party and the insurance company why this was not made out to the condo association. Was this legal? I don’t know how the money was spent. This was several years ago. Is there a statute of limitations?

Mister Condo replies:

S.V., that is a strange way of processing an insurance claim at a condominium. However, it is not unheard of and without a full review of the insurance and the claim, it would be very difficult to prove whether anything illegal occurred. In fact, the insurance company would more likely be the one to have a claim if they were defrauded out of money. Was the building damage repaired? Was there further money paid for the repair by the association that the insurance should have covered? If there were no additional monies paid out by the association and the damage was repaired, it is probably best to stop worrying about it. I am not aware of a statute of limitations for you to investigate and/or file a complaint with your association on how the insurance money was distributed but to what end? If you weren’t harmed financially, this is really an item for the insurance company to worry about, not you. All the best!

Lack of Certificate Prevents Condo From Closing

J.V. from Manhattan, NY writes:

Dear Mister Condo,

My condo is in contract small 4-unit Brownstone in Manhattan. We are all on the Board, one man is the president that we all elected solely based on gender. Had I known that he was a very difficult person I never would have agreed. My issue is our management company whom has since been terminated never renewed our temporary c/o (that’s another horror story). I cannot close without it. The “president ” is not allowing me to move forward with an architect or an expediter (I’ll even pay for that first payment) to get the process started. It has been over a month. He wants proposals and very worried about money. We do not have very this important certificate which is dangerous. But I particularly need it to close. He may cost me my sale which gives me much stress and sleepless nights.

I’ve tried everything, talking, meetings. Now he’s in Italy for 2 months. What can I do as a Board Member with a pending sale to move forward so I can close? I don’t know where to turn. He is a blocker. Does he have this power to make me potentially lose my buyers? Also, my buyers are giving us 120 days (now less) to get the Temporary CO. They want my unit and I want to move!!!!

Can you advise or direct me to someone who can help?

Mister Condo replies:


Hello! Please understand that I am not an attorney and offer no legal advice in this column. From what you have shared with me, you will likely need an attorney to help sort these matters out. I am sorry to learn that your previous management company did not file the proper paperwork with the city to keep the building’s Certificate of Occupancy (c/o) up to date. You may have legal action against the association for allowing that to expire. That being said, unless you are able to file the appropriate paperwork to get your Certificate back in good standing, you are very much at the mercy of the Board President, who appears to be a difficult person and indisposed for two months. Typically, unless your governing documents specifically call for the President to take action, a duty such as filing for the Certificate could fall on any officer. Since there are only four of you on the Board, you may be as qualified as any other Board Member to handle the transaction. You should check out this web page for some insight:

While your President is following a Good Business Judgment rule by getting bids for the architect or expediter needed to satisfy the CO requirements, if you are financially harmed by the lack of the CO, you may also have a case to sue your association. Again, speak with a qualified attorney before taking any action.

I am afraid I don’t have better news for you. The failure to have an active CO on file for your association is a most unfortunate event, caused by a series of other unfortunate events. If you do end up suing your association, it should serve as a wake-up call for them to not let the CO slide again. As you have said, it is a very important certificate in NYC. It should be treated so nonchalantly by the Board. Good luck!

Naked Man on the Loose in Condo Hallways!

J.R. from outside of Connecticut writes:

Dear Mister Condo,

There is a man nude using our common area bathroom. Our video tape shows him walking down our hallway nude. We know he lives here as a roommate to one of our owners. What can we do to stop this behavior? Is that indecent exposure?

Mister Condo replies:

J.R., it sure sounds like indecent exposure! Nudity is not usually addressed in condo documents and you really wouldn’t expect it to be. However, there are usually constraints that do identify unacceptable behaviors in the common areas and there are usually clauses about nuisance and prohibited illegal activities. The Board can also pass a rule about nudity being explicitly forbidden in the common areas that they could then enforce with fines and such. My first call would be to the local police to see if a crime had occurred. Keep in mind that condominiums are private property so they may say it is up to you to govern or they may simply speak with the offender and tell them to knock it off. If the behavior persists and there is video evidence that is easy to prove, summon the unit owner to a BOD meeting, explain the problem, and then fine for each future occurrence. Hopefully, the simple act of letting them know it is caught on videotape is enough to make it stop. If not, take action. Good luck!