Both state laws and an HOA’s governing documents have protections in place that limit the personal liability of board members. Some indemnification provisions even require the HOA to reimburse board members for any expenses related to their service. After all, if board members are constantly the target of legal issues, then no homeowner would be willing to volunteer as one. However, there are exceptions to indemnifications, whether at the state level or through the governing documents. A court may rule a board member personally liable if they act in gross negligence or willful misconduct.