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On the HOA thing, I would think a good route would be to work to ensure that your HOA has adequate coverage. The cost of that policy would be spread out over those 190 homes and be paid through your regular HOA dues.
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"At times the world can seem an unfriendly and sinister place, but believe us when we say there is much more good in it than bad. All you have to do is look hard enough, and what might seem to be a series of unfortunate events, may in fact be the first steps of a journey." Violet Baudelaire.
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