HOA not enforcing rules causing fears of liability

Can a HOA be sued if they are not following their declaration of condominium?

Our condo docs state tenants cannot have pets, and that it will provide flood insurance. Neither of these are true in practice.

I am concerned that if a tenant's pet bites someone, the HOA would be liable, and if there is flood damage, we could also be liable.

I have expressed my concerns, but due to financial concerns the HOA is ignoring both of these issues.