Q: How do I get our homeowners association board to open up our building’s three pools, all of which have been closed since March due to the pandemic? The board members say they are concerned that if someone gets covid-19, they will be sued and will have to pay a huge sum to settle the dispute.

There are about a dozen of us who are avid swimmers and use the pools. The board refuses to offer any arrangements at this time. I am no lawyer, but all pools in the surrounding communities have made modifications for residents and members to return to their pools.

What can we do?

A: Well, unfortunately you, individually, probably can’t force a homeowners association to do anything. But you might be able to encourage them to move more in your direction.

Start by figuring out what your state and local community guidance is with respect to outdoor or indoor pools. You should understand that, depending where you live, some state regulations relating to covid-19 may be more stringent than those in your local municipality, and you might have to abide by the state regulations. In other areas, local laws may be more stringent than state laws and the association must abide by local laws and ordinances.

Since you didn’t provide specific information indicating where you live, we can’t tell you what your local or state regulations say. Having said that, if your state and local municipalities allow for outdoor pools to be open and provide guidelines as to how to limit and/or handle the number of people using the pool, you can certainly bring that information to the board.

But beyond state and local guidelines, your association board is tasked with a single job: Manage the association. And it has broad authority to handle the affairs of the association in the best interest of its members. They can decide to be more cautious than other associations or pool clubs and can decide to restrict pool usage to a greater degree than other associations.

As Ilyce’s mom used to tell her when she was a kid, “I don’t care what the other parents do.”

You and your fellow residents voted in the board and they represent you. If a significant number of your fellow residents feel that state and local guidelines about pool usage are safe enough, you should let your association board know that.

There are ways to handle the (very real) safety concerns. If the board knows most residents want to use the pool, and using the pool doesn’t break any laws or regulations, the association can set up specific guidelines for pool use. They can limit pool use to owners only (no guests) and have pool owners sign a document detailing the new pool rules. They could require a negative covid-19 test before pool usage and limit the hours. Some associations have unit owners sign a liability waiver whenever they use workout equipment and other recreational facilities. The board could add some language to their documents letting owners know there may be a higher risk of contracting covid-19 by using the pool and the owners swim at the pool at their own risk.

According to the CDC’s website guidance as of July 2020, “there is no evidence that covid-19 can be spread to humans through the use of recreational waters.” But that doesn’t mean you can’t catch covid-19 or, if you have it, spread it to other pool users. There is a lot that isn’t known about the disease.

Your board is erring on the side of caution, perhaps because some of your fellow residents may be more at risk or perhaps because they can’t agree on how much risk the association should take. Remember, their job is to represent all homeowners, not just the vocal ones or those who swim.

Being on an association board is a balancing act — and, generally, a thankless one.

Ilyce Glink is the author of “100 Questions Every First-Time Home Buyer Should Ask” (4th Edition). She is also the CEO of Best Money Moves, an app that employers provide to employees to measure and dial down financial stress. Samuel J. Tamkin is a Chicago-based real estate attorney. Contact them through her website, ThinkGlink.com.