Refi question - requiring HOA insurance policy?

[lessel]

We're in the refi process and the lender has requested the "HOA/master insurance policy" given that our HOA fee includes the neighborhood pool and tennis courts membership. 

This didn't come up when we originally purchased the home in 2019 nor when we refinanced in early 2020. This is a different lender and they say this is a new requirement of Fannie Mae and the underwriter is requiring it. The lender requested the info from my HOA and they refused to provide it. The lender forwarded me the email from the HOA Treasurer where she said, "We do have coverage, but I'm choosing not to provide it." Um, thanks? The lender tried to get the underwriter to waive the need for a copy of it, but they were unable to because of the pool/courts. The lender asked that I try to email the HOA in case they are willing to provide it directly to a homeowner.

So I've emailed the HOA now too and they're just flat out non-responsive to my emails.

Has anyone who refi'ed recently run into this? I've googled and am only seeing providing insurance proof for condo associations, which wouldn't apply.

Like, I've hit a wall here and I don't know what to do. 

ETA: Whoops. Wrong board. Meant for MM. Will XP there.