Bought house in east Mesa, AZ that is in a gated community. All the documents that I signed showed that the HOA fees would be $ 120, - quarterly what is slightly higher than normal for that area.
Several weeks after closing I received a package from "Renaissance Community Partners" that contained a "Notice of Master Association and Sub Association".
What I found out was that I had to pay another $ 70, - a month to a second HOA. On top of this the second HOA treats homeowners like a landlord, telling them to hire a "licensed landscaping company" to pull out the weed in the frontyard, not allowing rental agreements that are for a period shorter than a year, etc. Etc.
I made a claim against First American because they did not provide me with the CC and Rs for the second HOA and because they made me believe that the monthly HOA fees would be $ 40, - and not $ 110, -
First American denied the claim stating that the non-disclosure of the second HOA was excluded from the covered risks. They tried to blame my realtor "he should have told you..."
I would suggest to any homebuyer to avoid these jerks under any circumstances. This is exactly what you expect from a title company: protecting you from undisclosed covenants, conditions and restrictions and you expect to get some kind of a compensation from your Title Insurance if the title company messes up. What you can expect from First American Title is that they don't work diligently and that they will try to cover their asses by any means if you make a claim against them.
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