HOA documents · Assessments, violations and approvals
HOA assessment due dates, cure periods and hearing deadlines, as dates.
An HOA notice gives you a period, not a date: correct the violation “within thirty days after the date of this notice”, request a hearing “within fourteen days”, pay the installment before it is delinquent “fifteen days after its due date”. Prism reads the notice or the CC&R excerpt, computes each date in code from the date the notice states, and returns it with the sentence it came from.
What comes back
Sample rows from an assessment notice, a violation notice dated September 21, 2026 and a CC&R excerpt, all written for this page. A date is either stated or computed from a period the document states, and the result says which.
| Date | What it is | How it was found | The clause |
|---|---|---|---|
| Oct 5, 2026 | Last day to request a hearing on the violation | Computed: 14 days after the notice date, September 21, 2026 | “The Owner may request a hearing before the Board by written notice delivered within fourteen (14) days after the date of this notice.” |
| Oct 21, 2026 | Last day to cure the violation before fines begin | Computed: 30 days after the notice date | “The Owner shall correct the violation within thirty (30) days after the date of this notice. If the violation is not corrected by then, a fine of Fifty Dollars per day will be assessed until it is.” |
| Jan 1, 2027 | First quarterly assessment installment due | Stated | “Regular assessments are payable in four equal installments due on the first day of January, April, July and October.” |
| Jan 16, 2027 | Installment becomes delinquent; late charge applies | Computed: the 15-day grace period after January 1 | “An installment not received within fifteen (15) days after its due date is delinquent and bears a late charge of ten percent of the installment.” |
| No date | Architectural review decision | Not dated: it runs from an application that has not been made. The rule and the deemed-approval consequence are returned | “The Architectural Review Committee shall approve or disapprove a complete application within forty-five (45) days after receipt. Failure to respond within that period is deemed approval.” |
The rows are from a contract we wrote for this page, not a customer’s. Every result also carries what happens if the date is missed and the page it is on. How often Prism finds these dates is on the accuracy page.
What Prism looks for
Assessment due dates
Each installment date, the grace period, and when a late charge and interest begin.
Special assessments
The amount, the purpose and each installment date, when the document states them.
Violation cure periods
The last day to correct a violation before fines or self-help, counted from the date of the notice.
Hearing and appeal requests
How long you have to ask for a hearing before the board, and how the request must be made.
Fines and their schedule
The amount, whether it recurs daily, and when it starts.
Architectural review
The response window the committee has, and whether silence is approval or denial.
Lien and collection
The association's stated right to lien or foreclose for unpaid amounts, and the collection costs it adds.
Rental and use restrictions
Minimum lease terms, registration deadlines and the rules on pets, parking and exterior changes, quoted.
What it will not do
Prism returns what the document states and quotes where. It does not tell you whether the violation is real or the fine enforceable, does not fill in a term the document leaves out, and reads only the pages you send: a rule in bylaws you did not upload is not in the result. It is not legal advice, and reminders are best-effort.
Use it from an AI agent
Prism is a remote MCP server. In Claude Code:
claude mcp add --transport http prism https://prism.parad1gm.com/api/prism-mcpThen ask: “Read this HOA notice and list every deadline, with the sentence each one comes from.” The agent sends the document with prism_review_contract and reads the result with prism_get_contract. Setup for Claude on the web, Cursor, VS Code and A2A agents is on the agents page.
$0.50 a contract for an agent, and the first 3 are free. On the website it is $1 per contract, or $9 a month for up to 50.
Questions
What HOA documents does it read?
Assessment notices, violation notices and excerpts from the CC&Rs or rules. Send the notice itself; a period in it is counted from the date the notice states.
Can it tell me whether the fine is valid?
No. It tells you what the notice says, when the cure period ends and how to request a hearing, with the sentence for each. Whether the association followed its own procedures is a question for you or a lawyer.
What if the notice gives a period but no date?
The period is counted from the date of the notice when the notice states one. If there is no date and no other anchor, the deadline is left undated rather than guessed.
Does it read the whole CC&R?
It reads what you send. Upload the sections that matter (assessments, violations, architectural review, leasing) and it returns the rules and any dates in them, quoted.
Will it remind me?
For a paid document, yes: an email 90, 30 and 7 days before each dated deadline. Cure periods are often shorter than 90 days, so the 30-day and 7-day emails are the ones that matter.
Is this legal advice?
No. Read the sentence it quotes, and for a hearing or a lien, ask a lawyer.