C Covenant

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.

A reference for boards and community managers · general information, not legal advice

The full set

DocumentWho created itWhere it lives
Plat or survey mapThe developerRecorded with the county
Declaration (CC&Rs)The developerRecorded with the county, by book and page
Articles of incorporationThe developerFiled with the state
BylawsDeveloper, then amended by ownersSometimes recorded, sometimes not
Rules and regulationsThe boardBoard minutes and resolutions
Architectural guidelinesThe board or committeeUsually adopted as rules

The hierarchy

  1. 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.
  2. The recorded plat and declaration. These run with the land and bind every owner, including ones who never read them.
  3. Articles of incorporation. They establish the association as a legal entity.
  4. Bylaws. How the association governs itself — meetings, quorums, elections, terms.
  5. 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amended declaration is recorded, the office copy is not replaced, and for a decade half the association is reading a superseded document.

Any serious document system therefore keeps superseded versions readable rather than deleting them, so a decision made in 2019 can still be understood against the rules in force in 2019.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

Next: how covenants, bylaws and rules differ →

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.