Homeowners Associations and the Hot Topic of Drone Liability

Technology is making it easier for HOAs and property management companies to market their properties in a creative way. Having drone footage of homes and neighborhoods gives potential homebuyers a different look at where they’re considering living and offers interesting opportunities to see things from a different point of view.

However, drones have been known to cause problems for people flying them, and that includes HOAs and property management that end up in legal crosshairs following a drone mishap. The Federal Aviation Administration states that some municipalities are trying to adopt regulations to protect the public and its privacy, as drones can be seen as a danger to people’s physical well-being and their right to privacy.

Here’s what HOAs should know about using drones in their communities:


As mentioned above, the FAA is handling drones a little differently than regular aircraft. The proper use of drones is dictated by government agencies, not local communities or homeowners’ associations, so these HOAs need to abide by the rules. What’s more, there’s also a patchwork of additional state laws that have come into full effect.

Some states in the U.S. bar drone use completely whereas some can be used for mapping by a utility company or for military purposes. The use of drones for HOAs and property management is limited but can still take place in other states. Altogether, the National Council of State Legislatures has reported that 45 of the 50 states in the union have brought up bills related to drone use in public.

Privacy Issues

HOA’s have enough on their plates when it comes to the possibility of having to deal with liability problems. HOA insurance coverage has been helpful for HOA’s looking to protect their organizations and members, especially with the rise of digital dependency. People want to keep their information safe, so coverage like as cyber liability can help to protect an HOA from the financial and legal fallout of a breach.

But drones offer a different kind of privacy and information problem for HOAs and their members. There are moderate restrictions that associations can consider adding to their governing documents since the biggest concern for residents in their communities is privacy. Drones can be equipped with cameras, which makes sense consider the use of them for marketing and promotional purposes.

Because of the increase in drone use over the years, and not just by hobbyists, an HOA board may decide to bring on rules or rule changes that address drone use to make sure that residents’ security and privacy are intact. HOA boards can also discuss appropriate areas and time of day for drone use, barring them from use at night for example.

About Kevin Davis Insurance Services

For over 35 years, Kevin Davis Insurance Services has built an impressive reputation as a strong wholesale broker offering insurance products for the community association industry. Our president Kevin Davis and his team take pride in offering committed services to the community association market and providing them with unparalleled access to high-quality coverage, competitive premiums, superior markets, and detailed customer service. To learn more about the coverage we offer, contact us toll-free at (877) 807-8708 to speak with one of our representatives.