Everett Business Journal - The condominium conundrum
Here's an article from a Washington state business publication that deals with the high cost of builder's liability insurance due to construction defect suits by HOAs. That's not why I posted it. My eyes happened to hit on this paragraph:

"For Snohomish County, the problem is particularly acute, since most of the
county requires all residential tract development, not just condominiums, to
establish a homeowner’s association. That means a broader range of housing
falls under the jurisdiction of the Condominium Act’s implied warranty
provision."


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So you see that it isn't just California, Florida, and the rest of the Sun Belt where municipalities are requiring HOAs. Even in Snohomish County, Washington, they are doing it.