Or is there an organization or government department to report HOAs to if they fail to communicate with home owners?

Jeremiah,There are two parts to this issue:  1) is the condo association liable for the damage  2) are the elements that were damaged Common or Limited Common elements that are the property of the association.From a Liability standpoint the association would have to have done something or failed to do something that caused or contributed to the water getting in. 

87% of real estate agents fail out of the business altogether.The median income for a real estate agent is about $45k.Brokerage is an entirely different business than sales. 

@Munir Hassan No Banks do not do appraisals, They hire licenced appraisers, which is an arcane , in exact science, practiced by those who failed to get into Hogwarts on a scholarship and are too enjoy mind numbing puzzles and sudoku.. keep increasing the radius of you search until you have found 3 comps.Personally I would treat it as a sfh and get local comps.

I see more investors fail because they make the plunge without knowing what they're doing. 

"Defendants failed to appear"; Judgment for $554,511 against Oceanpointe & Bert Whalen jointly and severally. 

That stuff does fail over time.

And so very many fail at that.

All else fails, Get an attorney to write them a cordial letter.   

Are you doing 20-30 Offers per month knowing almost all of them will fail and possibly irritating your Realtors to keep writing all of these up or are you being more selective and do a lot more analysis vs. offers?