Your HOA Rights as a Homeowner in Indiana

In Indiana, your HOA's authority to fine homeowners comes from its governing documents — your CC&Rs, bylaws, and any board-adopted rules and regulations. State law sets the outer boundaries, but the specific violations that can be fined, and the fine amounts, are defined in your community's own documents.

Common categories include: landscaping and property appearance, parking, noise, pet rules, short-term rentals, architectural modifications, and common area use. If a violation isn't defined in your governing documents, your HOA generally cannot fine you for it.

• Written notice: Indiana does not set a specific notice period by state law. Your CC&Rs and bylaws determine how much notice your HOA must give. Notice period set by governing documents
• Hearing rights: Indiana does not require a hearing by state law, but your CC&Rs may still entitle you to one. Hearing rights set by governing documents
• Fine schedule: Most states require the board to adopt and distribute a fine schedule. Your HOA generally cannot fine you for an amount not listed in the adopted schedule.

1. 1

   Request a hearing

   Even if not required by state law, your CC&Rs may entitle you to a hearing. Check your governing documents and request one in writing.

2. 2

   Review your CC&Rs

   Locate the specific rule your HOA claims you violated. If the violation isn't defined in your governing documents, or the fine exceeds what the schedule allows, you have grounds to dispute it.

3. 3

   Dispute in writing

   Send a written letter to the board explaining why you believe the fine was issued in error. Reference the specific CC&R section. Keep a copy of everything.

4. 4

   Request mediation

   Many states, including Indiana, offer or require alternative dispute resolution before escalating to litigation. Check your CC&Rs for any mediation clauses.

5. 5

   Consult an HOA attorney

   If the fine is significant or the board is unresponsive, an HOA attorney can review your situation and advise on your options under state law.

Ind. Code § 32-25.5