Hi All, just coming back to update.
After my husband told the HOA what the estimate was, they said "Well, actually, we can't pay that". It is a new HOA and under developer control still, as someone else mentioned, and it is managed by a management company. They offered to pay our deductible for our insurance, which is a whopping $50. So we ended up submitting to insurance, and insurance originally said they'd pay around $1,500 and we received a check for that. But today we got a call saying they'll pay the total amount the dealer's body shop quoted, assuming they and the shop did some back and forth.
So, hopefully we can get the work done soon and get our camper back, we're just going to have them winterize it at this point. We're still going to see if the HOA will give us a bit more than $50 since this put our trailer out of commission for the last good weeks of camping time, and it's been taking my husband a lot of time to deal with it, but I'm not holding my breath. Funny how they're really quick to point out violations (like our trash cans being visible from the street) but not so much when it comes to when THEY make a mistake.
We'll see if the rate on our insurance goes up after this, but I'd hope not.