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There have also been cases where the HOA has gone and mowed unslightly grass, repainted a house, etc. and charged the homeowner for doing so. Homeowner won't pay - lien on property.
Right now there's a $50K lien on a guy in my subdivision because he decided to clear cut his back yard.
And BTW, many have rules for what you put on your windows too. I lived in one neighborhood where every window seen from the street had to have a white backing. And yes, they could fine you until you removed it and if you wanted to play hardball, the fine could be more than your house was worth.
A TOS can and has been held up in courts - it's been that way for decades, here in GA.
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