Anyone who lives or has lived in a common interest development (aka homeowners association or HOA) has certain cognizance of the covenants, rules, and conditions (CC&Rs) of those "private government" communities.  Virtually every conflict that can and will arise in these locations is the result of CC&Rs that were initially drafted by the community developer and then perhaps altered or amended by the HOA attorneys.  Sometimes those changes need enabling legislation at the state level, but that is a whole different matter.  If the HOA lobby is not 100% behind those changes, the local HOA homeowner has little chance of effecting the change. Earthquake Insurance | CBS SF Bay Area | Condo owners are denied affordable earthquake insurance. Consumer reporter Julie Watts investigates the insurance policy loophole. |   VIDEO  ▶ Flip②▶  STORIFY  ♥  FLIPBOARD  ★  BLOGGER ▲ ALTACITIES  ® ▶  TWITTER See more in the 'social c...

When it comes to the CC&Rs (covenants, rules, and conditions) around an HOA, the first legal documents to be drafted and submitted by the developer are those bylaws and CC&Rs. These are also the hardest to change because vote of the membership is required and that process can be time consuming and costly. That's why these documents are changed so seldom, particularly when state laws change, it can time much time for HOA CC&Rs to reflect those changes, notably in the area that is highlighted in this 'social current see'... Flip②▶ STORIFY ♥ FLIPBOARD ★ BLOGGER ▲ Some associations try to make rules for common areas only. Others attempt to address common areas and individual units. Still, others make no effort to address the issue anywhere at all. [ View the story "Is your HOA going to pot?" on Storify ] "The man who removes a mountain begins by carrying away small stones." ~Chine... #dailyqotd #qotd http://t.co/8xFFIqyGNv —...