DEAR BOB: Last year, in a freak hailstorm, the vinyl siding on some of the townhomes in our complex were severely damaged. The condominium homeowner's insurance policy paid up to its maximum limit, but that wasn't enough. The association then assessed each owner of the other undamaged units $2,400 each. Yet we have over $175,000 still in our reserve funds that should pay for extraordinary expenses like this. more...