Could this be a case of HOA negligence?

However, insurance is limited because it only protects you from one type of liability: accidents/negligence.

In the short term, the lower rate with make a negligible difference in your bottom line, but access to less cash could prove to be a problem.

Taxes are negligible here.

This was negligible for an adjustment. $0.10.

What if something happens and they get hurt or damage the property, you would be negligent.

Those less-common cash sales are actually the ones that add strength to an appraisal, so it would be frankly negligent for an appraiser to systematically dismiss cash sales as a general practice.Do appraisers actually ask you if a sale "appraised"?

The tenants in my condo (upper unit) left the water running while filling a bathtub, resulting in water leaking into the downstairs condo.My tenant has $300K liability insurance, but apparently it doesn’t include any negligence water damage.

Am I as the buyer able to sue the owner of closing company/person who conducted title search due to fraud/negligence or do I only have a breach of warranty case against the previous seller (who is a master of setting up and dissolving LLCs to conduct similar high risk deals - unknown when transaction began)? 

We promptly sent out a technician who determined that the AC went out as the shrubbery had grown to a negligent level around the condenser, causing it to overheat and the freon line to rupture.