HOA governing documents, in order of authority
Most disputes inside a community association are not really about fences or paint. They are about which document wins.
The full set
| Document | Who created it | Where it lives |
|---|---|---|
| Plat or survey map | The developer | Recorded with the county |
| Declaration (CC&Rs) | The developer | Recorded with the county, by book and page |
| Articles of incorporation | The developer | Filed with the state |
| Bylaws | Developer, then amended by owners | Sometimes recorded, sometimes not |
| Rules and regulations | The board | Board minutes and resolutions |
| Architectural guidelines | The board or committee | Usually adopted as rules |
The hierarchy
- State and federal law. A covenant conflicting with statute is unenforceable however it was recorded. Solar access, satellite dishes, flags, service animals and rental restrictions are all areas where legislatures have overridden covenant language.
- The recorded plat and declaration. These run with the land and bind every owner, including ones who never read them.
- Articles of incorporation. They establish the association as a legal entity.
- Bylaws. How the association governs itself — meetings, quorums, elections, terms.
- Rules and regulations. Adopted by the board, and the easiest to change or challenge.
A board cannot fix a problem in the declaration by passing a rule. If the declaration permits something, a rule forbidding it is usually unenforceable — however sensible the rule.
Why the order decides arguments
An owner asks whether they can run a short-term rental. The rules say no; the declaration is silent. That is not a close question in most states — the board created a restriction it may not have had authority to create.
Run it in reverse. The declaration caps fences at four feet; a board resolution allows six with committee approval. The resolution does not survive contact with the declaration unless the declaration grants the committee that latitude.
Amendments are where the record breaks
Each document can be amended on different thresholds — often a supermajority of owners for the declaration, a simple majority for bylaws, a board vote for rules. What goes wrong is not the amendment but the record afterwards: the amended declaration is recorded, the office copy is not replaced, and for a decade half the association is reading a superseded document.
Any serious document system therefore keeps superseded versions readable rather than deleting them, so a decision made in 2019 can still be understood against the rules in force in 2019.
Practical checks for a manager
- Confirm the declaration you are reading is the recorded one, by book and page, not an undated office copy.
- Check whether amendments exist and whether they were recorded. Unrecorded amendments to a recorded declaration are frequently ineffective.
- Before enforcing a rule, find the provision that gave the board authority to adopt it.
- When the documents are silent, say so. Silence is an answer, and usually the correct one.
Stop reading the declaration to answer the same question.
Covenant indexes an association's governing documents and answers questions from them with the article and section attached.