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Why does our HOA need to keep so much in reserves?

We have 42 homes at $350 per year. We have no pool, tennis courts or other amenities. We have just common ground, etc... We take in enough money to pay all our annual expenses including management fees. The board has told us we should keep $15,000 in reserves. For what? They are all worried about some lawsuit but we do have liability insurance. Are they going overboard or is there a law in North Carolina that states you have to keep so much in reserves.
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Can condo community get a loan for vinyl siding?

We have a small condo community (25 units, 5 buildings). These units were built in the mid 1970's, all with exterior wood construction.

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Can HOA be forced to repair moldy walls before re-roofing?

I have had a total of 6 water intrusions in two bedrooms, and am now having another leak from the roof.

The HOA has been giving me the run around on this present leak. The maintenance company for our condominiums sent a workman to inspect the wet, moldy carpet and he took pictures of that area, which definitely showed that it has water damage.

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Collapsed condo ceiling - culprit won't pay

The condo above mine has caused significant damage to my unit (my ceiling collapsed) due to the faulty installation of her windows.

I have asked her numerous times as well as sent written notices asking for replacements and repairs.

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Board won't allow recording of dispute hearing

We have a violation-related dispute with our North Carolina HOA. We won the hearing, then received a second violation for the same issue, citing different parts of the governing documents from the first hearing.

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Can condo board discriminate against women?

If a person owns a condo unit but lives in another state can he serve on the Board of Directors for our Condo Association?Also if the Board rejects 3 qualified people willing to fill empty Board seats can they be rejected by the 3 members without providing a reason. The 3 were females and the rejectors are male. (discrimination case?)  Asheville, NC.

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NC owner wants to hold dues in exchange for meeting minutes

Our condo board is withholding meeting minutes from owners,

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NC condo association wants to shut off senior's water supply

I owe $200 to the HOA for a fine incurred by my stepson, which was originally $400.

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Can North Carolina HOA owner screen-in their porch?

I wanted to allow my indoor cats on the porch. I scoured the governing docs for rules about screening it. There are none. I put up nylon deer netting as a nearly invisible way to contain the cats. All was well until a new HOA President was elected. Now, I've received a violation letter saying it is a health hazard and unsightly. The letter does not meet the criteria clearly described in the governing docs. I have obtained letters from the County Heath Department and the Fire Marshall stating the netting is not a health hazard. The HOA governing docs don't define "unsightly," nor do they give the Board the power to do so. The HOA Board President has given me 4 days (5 days from the date of the improper violation letter) to remove the netting. The docs say I must receive a properly executed violation letter, then have "not less than 10 days" to contest in writing, then a hearing must be scheduled. Only then, can any sanctions be levied. At my eventual hearing, I plan to debunk the "unhealthy" claim with the letters from Health and Fire Departments. I plan to fight the "unsightly" claim by asking the Board to present me with any complaints from fellow owners, names redacted. (There aren't any.) Is there anything else I can do? North Carolina
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North Carolina HOA owner up in arms over housing authority takeover

I live in a condo that originally had one completed building fully occupied, and another partially built. The housing authority purchased the both buildings, built two additional buildings, and 8 of the 12 original owners did short sales to move.

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