Florida HOA Bans Contractor From Community Before Finishing Homeowner’s Roof Project, Homeowner Seeks Legal Action

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Ben Weiss • Writer and Editor
Jun 3, 2026 8:00 AM EDT

Who is to blame here: the homeowner, the contractor, or the HOA itself?

In most circumstances involving miscommunications between homeowner's associations and the residents of their respective communities, we tend to side in favor of the residents. After, we have covered countless stories in which HOA board members overstep their authority and enforce rules and regulations that are by no means necessary. 

However, in the case of this Florida-based homeowner, who turned to the r/legaladvice subreddit for guidance on how to move forward, there seems to be a third option in terms of who is ultimately responsible for what went wrong here. That would be the irresponsible contractor. 

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  • A man (not actual subject) working on the roof of a home with a power drill.
    via Raze Solar

    A man (not actual subject) working on the roof of a home with a power drill.

  • My HOA banned and trespassed my roofers mid-project. What recourse do I have?

    Location: Florida (Unincorporated Miami- Dade County) I live in an HOA community. Before any exterior work is done, I'm required to submit a form
    via HOA_LegalAdvice
  • to the HOA. It's pretty basic - what's being done, who's the vendor, and what's their license number. At the bottom of the form is a statement
    via HOA_LegalAdvice
  • [Community] has a no- solicitation policy. Vendors are lot allowed to place yard signs, leave leaflets, or advertise directly to residents."
    via HOA_LegalAdvice
  • Both the vendor and I had to sign the form. The roofer demoed my roof on Friday. While they were doing that, the owner started ringing doorbells and offering to replace neighbors' roofs.
    via HOA_LegalAdvice
  • The HOA rep came out and told him that if he didn't stop, the company wouldn't be allowed to work in the community in the future. The owner got caught again on Tuesday,
    via HOA_LegalAdvice
  • refused to leave voluntarily, and the police. were called. He's now banned from the community.
    via HOA_LegalAdvice
  • A close-up image of a model working on the roof of a suburban home.
    via Raze Solar

    A close-up image of a model working on the roof of a suburban home.

  • What's most concerning about this grim situation is what will happen to the Florida resident once hurricane season begins. After all, it's not like this person lives in an area where hurricanes aren't serious threats.

    Now that the contractor has been permanently banned from the community by the HOA, the resident has nothing but a flimsy tarp over their roof. How is that going to be protective if and when a storm inevitably comes? 

  • He pulled his workers, and my roof isn't done (I've got black tarp paper only). I asked for a refund, but he told me
    via HOA_LegalAdvice
  • that since he's not able to complete the work for reasons outside of his control, I'm not entitled to one. I asked the HOA to
    via HOA_LegalAdvice
  • compensate me, and they told me that because the roofer violated the no- solicitation policy, it's his own fault and I need to take it up with him.
    via HOA_LegalAdvice
  • Meanwhile, hurricane season is approaching and I don't have shingles. What recourse do I have?
    via HOA_LegalAdvice
  • An image depicting two men, not real subject, working to repair the roof of a suburban home.
    via Raze Solar

    An image depicting two men, not real subject, working to repair the roof of a suburban home.

  • Several members of this online community responded in agreement that, for once, the HOA is not to blame in this scenario. The contractor is the person from whom the resident should be seeking financial compensation.

    This man defied warnings from the board members and continued to be a nuisance to other residents in the community, even after he was told to stop. Talk about a silly way to promote one's business, given the fact that he ended up losing money along the way (and might even owe way more money when all of this is over).

    For more stories about neighborhood drama, take a look at this trending piece about a Texas homeowner whose neighbor illegally assumed approximately 240 square feet of his property without approval.

  • jpmeyer12751. You have a breach of contract claim against the roofer.
    via HOA_LegalAdvice
  • You will need to hire a lawyer to make certain that you protect your rights while you hire another roofer to complete the job and to seek compensation from the first contractor.
    via HOA_LegalAdvice
  • Cincinnati-kid. You have a mess, you need an attorney.
    via HOA_LegalAdvice
  • ethanjf99. lawyer. but my response to roofer would be b t. circumstances were within your control. you solicited were told to stop, and you chose to do it again.
    via HOA_LegalAdvice
  • but get a lawyer and do what they say. they'd probably threaten to sue everybody.
    via HOA_LegalAdvice

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hoa roof Legal Woes homeowner neighborhood-drama community florida
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