@Kim Huynh - lots of insurance brokerages use the same carriers so it is likely that it is going up a lot everywhere (that's my experience).What I have done for a bunch of years is to partially "self insure".  

Here's why:  Even if the contract maintained insurance, I doubt the carrier would pick up coverage.

Work with an independent broker - I represent Steadily amongst many other companies - rather than a call center for a insurance carrier or MGA.

As long as the home isn't in a fire/flood area and has been somewhat updated in the last 20 years, you can find other carriers.

One claim will not make you ineligible but if you're getting an entire roof replaced in policy year one your carrier may non-renew.Do you have an agent you can speak with? 

The board of the HOA has reached out to some carriers, but what they're finding is that many large nationwide carriers have a practice of not insuring clients that filed claims in the last three years. 

If OP's current carrier denies the claim (that's where he needs a good, experienced roofer), then he will have issues switching over to a new carrier with that denied claim on record. 

It's important to utilize an insurance broker who points you in the direction of quality carriers not just the least expensive.

LOL I am kidding but insurance carriers are pulling out of CA at alarming rates.

It depends on whether or not the carrier requires 12-month lease agreements...have to talk to an agent and provide accurate information on how the property is being used.