If you own a home in a community governed by a homeowners association (HOA), you’ve probably heard the phrase special assessment. Few words cause more frustration for homeowners than an unexpected bill in the thousands, and when it comes to electrical repairs, the stakes are even higher.

Electrical systems are the lifeblood of a community. They power common areas, lighting, security systems, and shared amenities, but when an HOA board claims there isn’t enough money in the reserve fund to cover repairs or upgrades, that cost often falls directly onto homeowners. Suddenly, you’re facing a “surprise” electrical assessment that could cost hundreds or even thousands of dollars.

Why Electrical Assessments Are So Common in HOAs

Many HOAs underfund their reserve accounts. Instead of budgeting properly for long-term infrastructure maintenance, boards may put off inspections or repairs until something goes wrong. Electrical systems, especially in older communities, are often neglected until failure is unavoidable.

When that happens, the board calls a meeting, votes to levy a special assessment, and homeowners are left footing the bill. The problem? This often isn’t a matter of necessity, it’s a matter of poor financial planning and lack of accountability.

Electrical Costs Shouldn’t Become Your Burden

The good news is, you are not powerless. Homeowners should not have to shoulder the costs of board mismanagement. While it’s reasonable to expect shared expenses for genuine community needs, special assessments are often the result of neglect rather than necessity.

If you’ve been hit with an electrical assessment, know your rights, organize your community, and push back against unfair charges. At the HOA Victory Kit, we help homeowners navigate HOA disputes, challenge surprise assessments, and hold boards accountable. If your HOA just dropped an electrical bill in your lap, we’re here to make sure you don’t pay more than you should.