HOAs, Subrogation, and Renters Being Held Responsible
And managing the anger that comes with these issues.
We understand that the systems you may be navigating after a disaster are often confusing, especially when housing, insurance, and responsibility are shared with others (like an HOA). Many of these processes feel overwhelming, unfair, or out of your control. This guide is not about rushing decisions or having all the answers right away; it is about gaining clarity so you can move forward with more confidence and less fear.
When working with our clients over the years, we often compare this stage of recovery to a painful breakup. This is the point where you begin to accept that something devastating has happened—and that you may never get all the answers you want. Questions like Why did this happen to us? or Who should be held accountable? don’t always have clear or satisfying answers.
Much like a first heartbreak, the “why” may never fully make sense. Over time, though, a path forward begins to emerge. You start to see moments of clarity. You find people who are willing to sit with you, listen, and help you move through the pain rather than rush past it.
What’s included in this toolkit
Don’t rush. Take a breath. Ask for help.
✺ What disaster survivors have to say ✺
Here from our client Connie:
My condo building had a fire that displaced 50 units. Two years later, none of us have been able to start insurance claims or access our units because the HOA does not have coverage to address asbestos in the building. During this time, I’ve had to continue paying my mortgage and HOA dues, and now I’m also paying rent since my ALE coverage has expired. I am currently deciding whether to sell my unit and move on. Throughout this process, the support of my therapist has been invaluable in helping me stay focused and manage the emotional toll.
I often wish there were someone to blame so I could find some closure. Knowing there’s no one to blame can make me feel angry at times. I’ve learned that this anger is okay—and that it’s a normal part of the healing process.
Journal Prompts
Journaling after a disaster can be a gentle way to care for yourself during an overwhelming time. Putting your thoughts and emotions into words helps your brain and body make sense of what you’ve been through, easing anxiety and bringing back a small sense of control. Even a few sentences or simple notes can make a meaningful difference in supporting your healing and emotional balance.
For adults: What emotions am I trying to avoid, and why?
What small steps can I take today to feel a little more in control? did it feel like to begin the personal property inventory process after the disaster?
For kids: Download the “What did I do to feel good today?” activity sheet.
Have a question about your recovery?
You can call Our Front Porch at 720-593-8606 to speak to someone or email info@ourfrontporchco.org and one of our Disaster Recovery Specialists will get back to you within 48 hours.