Absolutely! It is all over the Net by various attorneys that if the homeowner's association does not have insurance, each of the homeowners will have to pay out-of-pocket for any awards from the civil suit that they feel will most assuredly come.
Not only that, they also say the homeowners might be responsible for paying for Zimmerman's legal defense because the homeowner association newsletter informed them that Zimmerman was acting as the "captain of the watch" ... and the homeowner's association newsletter stated Zimmerman was the one to contact if they could not contact the police.
I dare say that when the homeowners find out that they might have to pay out-of-pocket for ANY of this mess, their memories might suddenly vanish.
IMO