HOA rules in Indiana

Indiana splits homeowners' associations and condominiums. Lot-based mandatory-dues HOAs are under the Homeowners Associations Act, Ind. Code article 32-25.5. Condominiums are under article 32-25. Do not mix those articles. Confirm which applies, then confirm the current Indiana Code text and your recorded declaration and bylaws. This page is general information, not legal advice.

The HOA Act requires annual budgets, member access to financial records and board minutes on written request identifying records with reasonable particularity, and a right to attend board meetings (with limited private sessions for delinquent assessments or litigation counsel) (IC 32-25.5-3-3). Records older than two years may be withheld. The retrieved chapter 3 text does not set a numbered inspection-day deadline or a statutory dollar fine cap or numbered hearing-day count for rule violations. Do not invent those numbers; fine authority and procedure typically come from the governing documents unless a later-enacted section says otherwise — confirm the current Code.

Before certain legal proceedings, Chapter 5 grievance-resolution steps (notice of claim, negotiation, mediation/arbitration options) generally apply. Chapter 4 authorizes Attorney General civil actions for specified association/board misconduct (misappropriation, fraud, proxy and budgeting violations). That is not a Virginia-style CIC ombudsman.

For condominiums, unpaid common-expense assessments are a statutory lien effective at assessment, junior to tax liens and a first mortgage of record, foreclosable like a mechanics' lien (IC 32-25-6-3). Traditional HOA assessment liens more often run from the declaration rather than a UCIOA-style statewide HOA lien statute — confirm your documents.

This is general information from an AI helper, not legal advice. Confirm it against your documents and your state's law. If a deadline or hearing is coming up, talk to a licensed lawyer.