When that happens, all you can do is pay up, as happened with Jason Hark and Kenneth Larivee. In 2016, the couple got hit with a $28,000 assessment to replace the siding on their West Orange, N.J. townhouse in a condo association. This cost came on top of their $610 monthly association fee. After speaking with siding companies, Mr. Hark estimated that if his unit had been a stand-alone property, the project would have cost closer to $7,500. “But we couldn’t fight it,” said Mr. Hark, a director at WCBS-TV.
Risk: If your house was built 
before 1994 and still has the original plumbing fixtures, you’re using 
30 to 40 percent more water than 
a comparable new home. Because about 70 percent of the water flowing through the showerhead is hot, 
that means higher heating bills too. A basic showerhead can cost just $15 and could pay for itself in reduced water and heating costs after just one month. Calculate your 
savings at epa.gov/watersense/watersense-calculator.
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