HOA & Condo Insurance

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Does Helping Owners Share Rides Drive Up Your HOA's Risk?
December 2014
You've heard it here from our experts before: Again and again, they say, "Stay in your lane!" By that, they mean that your HOA shouldn't undertake activities that fall outside the scope of the association's stated and legal mission. keep reading

What Insurance Provisions Should Be in Your HOA Management Contract?
December 2014
An HOAleader.com reader writes, "I'm a board member at a 710-unit private-residence HOA in South Carolina. We're in the process of renegotiating the management contract with our offsite property manager. I'm seeking to have a mutual indemnification provision in the contract so that each party is responsible for its own negligent acts. I'm also looking to require the property manager to add the HOA as an additional insured on the property manager's automobile and commercial general liability policies. keep reading

How to Treat Your HOA's Reserves--and Is This Manager Going Rogue?
November 2014
An HOAleader.com reader writes, "I am in a dispute with the management company as to how the reserve funds should be handled. He insists that the monthly minimum of 10 percent of gross income that should be set aside for reserves not show up … as an expense. Please verify if you can, when a check is written to fund the reserves should it be posted as an expense or against the 'Other liability' [line]? keep reading

HOA Board Members and Fiduciary Duties: What You Must Know to Fulfill Your Duty to Your Association and Protect Yourself from Personal Liability HOA Board Members and Fiduciary Duties: What You Must Know to Fulfill Your Duty to Your Association and Protect Yourself from Personal Liability
On-Demand Webinar
When you volunteered to serve your community association as a board member, did you realize you were agreeing to set aside your own interests and act as a fiduciary on behalf of the entire association? Are you confident you know every scenario where you might trip up and expose yourself to personal liability by failing to live up to this important duty? Set aside an hour of your time to learn what you need to know and ensure you're not risking your own financial security by making common--but easily avoidable--mistakes while volunteering as an HOA board member. keep reading

Can You Spot Where This HOA Went Wrong?
October 3, 2014
In this week's tip, we cull lessons from a very ugly dispute at an HOA. The Quail Hill HOA in Irvine, Calif., has been the battleground for a war between two factions who've vehemently disagreed over whether the HOA should allow a local swim team to use one of the community's pools and whether it should have contributed funds to the swim team. keep reading

How Not to Run Your HOA: Lessons of a Pitched HOA Battle
October 2014
The Quail Hill HOA in Irvine, Calif., has been the battleground for a war between two factions who've vehemently disagreed over whether the HOA should allow a local swim team to use one of the community's pools and whether it should have contributed funds to the swim team. keep reading

Get Cooking: Is Your HOA Kitchen a Gold Mine or a Land Mine?
September 2014
An HOAleader.com reader writes, "The HOA I am doing some research for in Florida has a pretty extensive kitchen that's used entirely by the membership and for the membership. I was interested in any feedback that discussion group members could provide me on any HOA's that have the same arrangement… Also, whether or not your HOA has a kitchen for the members and by the members, without any professional and paid help, what advice can you give us regarding the following: Your thoughts on providing food services to the public; thoughts on steps that should be taken to provide food services to the public; any experience you may have on the potential revenue benefits of expanding the kitchen (I'm really speaking of lunch or dinner services) to the public. Do you feel that some professional help would be necessary if services were expanding to invite the public?" keep reading

Is a Home-Based Day Care Center a Banned Home-Based Business? Maybe?
August 15, 2014
Do you know whether your state permits your HOA to ban home-based day care centers? In this week's tip, we discuss that very question. In many areas, zoning rules prohibit businesses from operating out of residential homes. But in California, that's not the case with child-care centers. Despite what governing documents or local laws on home businesses may be, the state's health and safety code protects home-based child-care centers from being banned or restricted in single-family homes. keep reading

Five Tips for Hiring an Onsite HOA Custodian
August 2014
An HOAleader.com reader asks, "Our HOA has an on-site custodian who is an employee of the association. Presently the custodian lives in the association one-bedroom apartment with electricity and water included, plus a monthly check in the amount of $350. keep reading

What to Do When a Day Care Pops up in Your HOA
August 2014
In many areas, zoning rules prohibit businesses from operating out of residential homes. But in California, that's not the case with child-care centers. Is that true in other states, too? And what does that mean in practice for HOAs? Here are the ABCs. keep reading

Who Fixes What in HOA Units After a Disaster?
June 2014
Sadly, your residents are bound to eventually face damage from natural disasters like earthquakes, tornadoes, and storms. The question is who pays for repairs to the interior of units? For example, if an earthquake creates cracks in owners' walls, is that considered the responsibility of those owners or the HOA? Here our experts lay out some answers. keep reading

Colorado HOA Residents Have Beefs; You and Your HOA Board Should Listen Up
April 25, 2014
In this week's tip, we explain how complaints by Colorado lessons can be very instructive for your board to keep in mind. There are 8,857 HOAs in Colorado, which includes condos and co-ops, totaling 880,326 units, according to the 2013 Annual Report from the Colorado HOA Information and Resource Center, the Colorado state agency that serves as a resource for residents of community associations. In 2013, it received 1,248 complaints from 327 different complainants via mail, phone, email, its website and in person. keep reading

What You Can Learn from Homeowner Complaints About HOAs in Colorado What You Can Learn from Homeowner Complaints About HOAs in Colorado
April 2014
Problematic communication between HOAs and homeowners was the most common type of complaint reported to the Colorado state agency that serves as a resource for residents of community associations, according to the 2013 Annual Report from the Colorado HOA Information and Resource Center. Many homeowners said they weren't being kept informed about their HOA, and their complaints included not receiving notices of HOA board meetings. keep reading

Home Owners to HOA Board: We Want This Service, But Not That. OK?
March 21, 2014
In this week's tip, we answer a reader's question about whether owners can simply decline HOA services it provides to reduce its liability and that of its owners. keep reading

"No Salt for Me!" When Owners Can Opt Out of HOA Services
March 2014
An HOAleader.com reader asks, "We're a 70-unit HOA in Pennsylvania. Some of the homeowners have requested to opt out of having their driveway and steps leading to their front door having sodium chloride spread on them. The board is concerned we may be opening ourselves or other homeowners to legal problems if we agree not to treat these properties. Is there any language we can send to homeowners requesting they sign to absolve the HOA?" keep reading

Can You Recommend or Ban HOA Owners from Using Certain Contractors?
February 2014
Ever run into a contractor who was utterly incompetent and then found one of your owners had hired the schmoe to do renovations in their unit? Awkward! Here we discuss why you might consider providing guidance to your HOA's owners on which contractors to use for in-unit projects. Is it ever worth the HOA's trouble--or within the HOA's authority--to ban contractors who've performed in a way that's harmed owners or the association? keep reading

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