Re: Common Area Insulation
You can't get blood from a stone. If your condo board isn't willing to do a special assessment to pay for insulating all of the units, and they don't have the money without a special assessment, it isn't going to happen no matter what the bylaws require. This type of thing seems to be a growing problem in a lot of areas of the country - condo boards without the funds to pay for needed repairs, upgrades and maintenance, and a body of condo owners who aren't able and/or willing to pay a special assessment.
Obviously, we haven't read the condo owner's agreement, nor have we read the condo board's bylaws, so at this point we have no basis to question what you learned from the board's lawyer - that they don't have to do anything if it will cause financial stress. If you want an independent opinion on that, you need to take the relevant documentation to a lawyer of your own, as your lawyer will need to read it in order to be able to advise you.