HOAleader.com provides practical advice on homeowner and condominium association management, laws, rules, insurance, finances, reserves, dues, liens, assessments, dispute resolution, and more.HOAleader.com provides practical advice on homeowner and condominium association management, laws, rules, insurance, finances, reserves, dues, liens, assessments, dispute resolution, and more.
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Home | HOA Insurance

HOA & Condo Insurance

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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
April 2014
What You Can Learn from Homeowner Complaints About HOAs in Colorado 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
Time for Your Seven-Step Annual HOA Check Up
January 2014
If you're running your HOA like a top, you should be doing certain things annually. Here's a rundown of seven crucial annual tasks. . . . keep reading
Know When to Say No to Your HOA Manager
November 15, 2013
In this week's tip, we answer a reader's question, and in the process address whether an HOA manager is protecting or harming its client. . . . keep reading
Is This HOA Management Company Going Too Far?
November 2013
An HOAleader.com reader asks, "I'm president of an HOA with 64 units. Many years ago, several of our members planted flowers in the common areas and would like to continue to do so. However, since we hired a property management company, the company insists they sign a waiver to hold the HOA harmless in case of injury while planting. The members are insulted and refuse to sign them saying they'd never sue themselves. Now there's constant bickering about flowers and rules. Any advice?" Here our experts discuss whether such a benign activity requires signed waivers, and if not, how you determine when a volunteer activity should require signed waivers. . . . keep reading
Avoid These Unforced Errors in the HOA Insurance Game
November 2, 2013
In this week's tip, we offer three ideas to ensure you don't make all-too-common homeowners association insurance mistakes that end up costing you and your owners money you didn't need to spend. . . . keep reading
HOA Insurance: Don't Make These Nine Association Insurance Mistakes
November 2013
Are you protecting your homeowners or condo association as much as possible with your insurance decisions? Here our experts from the legal and insurance industries tell us the nine most common insurance mistakes boards make to their HOA's detriment. . . . keep reading
Breaching Your HOA Board Fiduciary Duties: Know Your Risks
June 2013
An HOAleader.com reader asks, "Our board has failed in its fiduciary duty on multiple accounts. So what if we take them to court? What punishment can they get? Are they just going to get a slap on the wrist, 'Bad board'? When might financial fees be sought from the insurance company insuring their actions? . . . keep reading
When Your HOA Has Employees, Get the Right Insurance
May 2013
An HOAleader.com reader asks, "Our association employs several staff. Is it common practice to purchase liability insurance to specifically defend board members and protect association assets from and against the claims of employees, since general liability and directors and officers coverage excludes this?" Here's the skinny. . . . keep reading
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