I purchased double the coverage offered in case our H.O. Board gets sued and they attach the homeowners. There was a drowning on one lake 2 summers ago, and they did sue, but it went nowhere, but you never know, and nobody will tell me what my personal liability is as the Lake Rep. on this lake. That is why I got my own water test done because a former LakeChair wrote in the newsletter "We have blue green algae, but don't think it is the toxic type." As lake rep my charge is simply to "Report on Conditions of the Lake, and field complaints." I write detailed reports and put them on the minutes to cover myself. Now we are doing extensive testing on all the lakes.
