LaPay v. The Fairways Homeowner's Association CA4/2

CourtCalifornia Court of Appeal
DecidedJanuary 23, 2026
DocketE082827
StatusUnpublished

This text of LaPay v. The Fairways Homeowner's Association CA4/2 (LaPay v. The Fairways Homeowner's Association CA4/2) is published on Counsel Stack Legal Research, covering California Court of Appeal primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
LaPay v. The Fairways Homeowner's Association CA4/2, (Cal. Ct. App. 2026).

Opinion

Filed 1/23/26 LaPay v. The Fairways Homeowner’s Association CA4/2

NOT TO BE PUBLISHED IN OFFICIAL REPORTS California Rules of Court, rule 8.1115(a), prohibits courts and parties from citing or relying on opinions not certified for publication or ordered published, except as specified by rule 8.1115(b). This opinion has not been certified for publication or ordered published for purposes of rule 8.1115.

IN THE COURT OF APPEAL OF THE STATE OF CALIFORNIA

FOURTH APPELLATE DISTRICT

DIVISION TWO

SIMONE MARIE LAPAY,

Plaintiff and Appellant, E082827

v. (Super. Ct. No. CVPS2202954)

THE FAIRWAYS HOMEOWNER’S OPINION ASSOCIATION et al.,

Defendants and Respondents.

APPEAL from the Superior Court of Riverside County. Kira L. Klatchko, Judge.

Affirmed.

Lubin Pham + Caplin, Namson Pham, and JC Chimoures, for Plaintiff and

Appellant.

Delphi Law Group, Zachary R. Smith, and Nicholas Hepburn, for Defendants and

Respondents.

1 I.

INTRODUCTION 1 In 2018, Lance LaPay (Lance) purchased a ground sub-leasehold interest in a

condo (the Property) in Palm Springs. Ownership title of the Property was held in The

Lance George LaPay Living Trust (the Trust). Lance is the settlor, original trustee, and

sole beneficiary of the trust. He lived in the condo until there was a fire next door in

2020, resulting in smoke damage and damage to the garage. Right after the fire, Lance

abandoned his condo and could not be located or reached by the condo homeowner’s

association, Fairways Homeowner’s Association (HOA), or by the condo manager, J.N.

Lewis Group dba as Desert Management (Desert Management).

Over a year after the 2020 fire, Lance’s sister, Simone LaPay (Simone), became

successor trustee of the Trust because of Lance’s mental incapacity. As successor trustee,

Simone sold the Property in April 2022 and sued HOA and Desert Management for

entering the Property to repair the fire-related damage.

Simone, as successor trustee, appeals from summary judgment granted in favor of

HOA and Desert Management, and from an order awarding them attorney fees and costs.

The trial court found that there were no triable issues of material fact and there was no

1 Since Lance and Simone LaPay share the same last name, we will refer to them by their first names; no disrespect is intended.

2 2 evidence HOA or Desert Management committed any wrongdoing or caused any

damages. We affirm the judgment and the order awarding attorney’s fees and costs.

II. 3 UNDISPUTED FACTS

HOA is a homeowner’s association for the common-interest condo development,

known as “The Fairways.” The Property, located at 1654 Fairway Circle, in Palm

Springs, is a condo within the Fairways development managed by HOA and Desert

Management, retained by HOA. The owner of the Property is a member of HOA, and the

Property is subject to the Fairways’ covenants, conditions and restrictions. In 2020, HOA

recorded a second restated declaration of covenants, conditions and restrictions (CC&Rs),

which is the applicable version in this case. (CC&Rs Art. I, §§ 1.28, 1.31, 1.39; Art. II,

§2.1; Art. XV, § 15.1.)

A. October 2020 Fire

Lance purchased the Property in 2018, under a condo ground sublease of a portion

of The Fairways development land used for the condo built on the Property. Title to the

Property was held in the name of Lance George LaPay, as Trustee of the Lance George

LaPay Living Trust, dated January 22, 2007. Lance was named in the trust as settlor,

trustee, and sole trust beneficiary.

2 References to HOA and Desert Management, include, where relevant, HOA’s board members and officers, and HOA and Desert Management’s agents, and employees. 3 This summary of undisputed facts is based on admissible evidence in the record on appeal.

3 On October 10, 2020, a fire broke out in the garage of an adjacent condo unit,

which shared a wall with the Property’s garage. Firefighters broke through the garage

door and, upon forcing entry through the front door, also destroyed the front door locks.

The Property primarily sustained interior smoke damage and fire damage to the garage.

At the time of the fire, Lance was living at the Property. When firefighters and the

police responded to the fire, they found Lance outside the Property and discovered he had

an outstanding bench warrant. He was therefore taken into custody that same day and

released shortly thereafter. Lance never returned to the Property, and could not be located

by HOA during its efforts to repair fire damage to the Property. Simone later found him

in mid-2021, after the fire-related damage was repaired, with the exception of replacing

the cabinets, countertops, and carpet.

B. Insurance Coverage of Property Damage

On October 12, 2020, HOA’s insurer, Century National Insurance was notified of

the fire and property damage. On October 19, 2020, Century National Insurance’s third-

party administrator, Precision Risk Management (Precision), provided an estimate of

repairs, which reflected “the extent of known covered damages to the property” caused

by the fire. The estimate for fire-related repairs to the Property “included, among other

things, the following: (1) significant repairs to the garage as the fire came through the

garage in the amount of $16,220.94 (which included repairs to Common Area framing

components); (2) significant repairs to the kitchen as the kitchen was the first access point

from the garage in the amount of $12,470.86 (including removal and replacement of batt

4 insulation, drywall, vinyl floor, baseboard, exterior door, door lockset, cabinetry,

countertop, sink, plumbing, and aluminum window with seal/prime and wall and ceiling

paint); (3) clean and paint walls and ceiling in the Entry/Foyer, Living Room, Entry

Closet, Bedroom, Closet, Vanity, and Master Bath; (4) clean, strip and wax the floor in

the Entry/Foyer; (5) clean the walls and ceiling in the Bar; (6) clean and deodorize the

carpet in the Living Room and Entry Closet; and (7) plywood repairs and painting in the

carport.”

The Precision estimate cost of fire-related repairs to the Property and adjacent unit

totaled $90,998.43, with $36,571.34 allocated to repairs of the Property.

On October 21, 2020, HOA’s Board of Directors (Board) met. The Board meeting

minutes state that “Management will gather all information pertaining to the fire that

occurred in the garage of 1646 Fairways Circle and damaged the garage and interior unit

of 1654 Fairways Circle [(the Property)] and report back to the Board.” The Board met

again on October 27, 2020. Precision’s insurance adjuster was present and discussed

with the Board the process of restoration and reimbursement of costs for fire-related

damage covered under HOA’s insurance policy. Thereafter, the Board approved

Precision’s $90,998.43 estimate amount and authorized Premier Restoration (Premier) to

complete restoration repairs to the garages and interiors of both the Property and the

adjacent unit. That same day HOA provided Premier with written authorization to start

repairing the two properties.

5 Fire damage repair plans for the Property and adjacent unit were prepared and

submitted to the City of Palm Springs and its fire department for a building permit for the

repairs. The fire department and city approved the plans in December 2020, and a permit

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LaPay v. The Fairways Homeowner's Association CA4/2, Counsel Stack Legal Research, https://law.counselstack.com/opinion/lapay-v-the-fairways-homeowners-association-ca42-calctapp-2026.