Lots of factors can impact the HOA's ability or willingness to maintain things, though, as you note about the potential for insolvency. Presumably a bridge bei

Lots of factors can impact the HOA's ability or willingness to maintain things, though, as you note about the potential for insolvency. Presumably a bridge being swept away in floods could be something insurance would weasel out of paying, as an "act of god" or whatever, so unless the HOA has enough reserve to cover the (potentially very large) expense of replacement, it comes down to the members approving an assessment to fix it. If the bridge being out didn't significantly affect the daily lives of the residents of the neighborhood, it kind of makes sense that they'd be loath to shell out who-knows-how-much on repair, on top of their regular dues. This is one of the concepts addressed by StrongTowns.org, basically that American suburban infrastructure development has been following an unsustainable pattern for decades and we're now starting to reap what we've sown, here's an article on this exact topic: https://www.strongtowns.org/journal/2015/11/1/suburban-bailout https://www.strongtowns.org/journal/2015/11/1/suburban-bailo...