September 19, 2026 at 5:55 pm

Roofer Violated HOA Rules, Leaving A Homeowner Without A Roof And Unable To Get His Money Back

by Jayne Elliott

roofer standing on a ladder

Shutterstock

Imagine living in an HOA, and a vendor you hire violates the HOA rules. If the HOA banned the vendor from the neighborhood, what would you do if the job you hired him to do wasn’t finished?

That’s the exact dilemma the homeowner in this story finds himself in. He paid to have his roof redone, but now he doesn’t have a roof even though he already paid.

The HOA claims they’re not responsible for paying, and the roofer also claims it’s not his fault.

Keep reading for all the details and to decide what you think the homeowner should do.

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 to the HOA.

Here are more details about the form.

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 “[Community] has a no-solicitation policy. Vendors are lot allowed to place yard signs, leave leaflets, or advertise directly to residents.”

Both the vendor and I had to sign the form.

OP’s roofer really messed up.

The roofer demoed my roof on Friday.

While they were doing that, the owner started ringing doorbells and offering to replace neighbors’ roofs.

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, refused to leave voluntarily, and the police were called. He’s now banned from the community.

This is a bad situation.

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 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 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.

Meanwhile, hurricane season is approaching and I don’t have shingles. What recourse do I have?

Yikes! What a mess!

Let’s see what Reddit suggests.

This person thinks he needs to hire a lawyer.

2026 09 14 at 6.27.09 PM Roofer Violated HOA Rules, Leaving A Homeowner Without A Roof And Unable To Get His Money Back

Here’s another vote for hiring a lawyer.

2026 09 14 at 6.27.24 PM Roofer Violated HOA Rules, Leaving A Homeowner Without A Roof And Unable To Get His Money Back

The contractor clearly messed up.

2026 09 14 at 6.27.51 PM Roofer Violated HOA Rules, Leaving A Homeowner Without A Roof And Unable To Get His Money Back

If you enjoyed this story, check out this post about a woman who gets revenge on her neighbors after they keep using her trash bins.

But he still needs to get his roof replaced.

2026 09 14 at 6.28.00 PM Roofer Violated HOA Rules, Leaving A Homeowner Without A Roof And Unable To Get His Money Back

Let’s hope the next roofer he hires follows the rules!

It sounds like he’ll need to hire a lawyer, but he should win. The contractor signed an agreement and then broke the rules on that agreement. It seems that the contractor should be held responsible.

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Jayne Elliott | Contributing Writer, Life & Drama

Jayne Elliott is a contributing writer and editor for TwistedSifter specializing in human interest stories, internet culture, and family dynamics. With over 12 years of editorial experience in digital publishing, Jayne excels at analyzing complex online communities and transforming viral social debates into thoughtful, highly engaging narratives.

Rather than simply aggregating internet drama, Jayne brings a sharp, empathetic editorial eye to everyday dilemmas. She has a unique talent for unpacking the nuances of pop culture and online conflicts, providing readers with relatable, well-researched commentary.

Based in California, Jayne spends her free time outside the newsroom exploring theme parks with her family or beach-combing along the coast.

Follow Jayne's adventures and connect with her on Instagram, Facebook, and YouTube.