HOA DEMANDED $10M FROM A HOMEOWNER AFTER HURRICANE LEO — THEY ACCUSED HIM OF CAUSING IT! The letter arrived on a Tuesday. It was thick, heavy, with the Shoreline HOA’s logo printed in a smug corporate blue. Inside were four words that made my vision swim. Liability: $10,273,600. Three weeks after Hurricane Leo tried to swallow the coast, this was the real disaster. We had all just started breathing again, shoveling mud and patching holes in our lives. The letter claimed my backup generator cause