That stinks!
I appreciate you all giving it a shot.
Just a thought...
Neighborhoods that have pools that are for "members only" are allowed to bring visitors. Can Lakes of River Trails members bring visitors to their ponds or is that not covered under their insurance. I have several friends over there that would invite me. lol
I would like to see that insurance contract. I think that was probably their easiest way of saying "No, we don't want you." without causing to much anguish and ill will.
Good move Lakes. I'm not mad at you.