Help! Problem: HOA granted work to engineering firm to repair a community pond and the firm said we did not need a county permit..Ha! County found out and says we do need a permit and their work requirements for work being done is much more than the firm.estimated..Question? Since firm lied to us(and we were naive) (there are 27 homeowners involved) ,should'nt they have insurance to pick up any overflow of expenses to do job?Or are we liable? or just board of directors which recommended we do this job...what do we do..I feel we have been sold a bill of goods with not enough $ to pay for it...please advise..deceived