Distinguished Blog - Community Associations

Market insights and industry news.

Different Types of HOAs

Alternatively referred to as community associations, homeowner’s associations (HOAs) can often be found in residential communities. In fact, homeowner’s associations have become increasingly common in recent years. The Community Association Institute reports that about a quarter of (about 70 million) Americans live in some form of a community association. Given the growing popularity of community…

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Pool Safety Grants Available to State & Local Governments to Help Reduce Drowning Injuries, Deaths

More than 7,000 drowning deaths occur nationally each year, according to the National Safety Council, with drowning accidents the leading cause of death and injury of children under 5 years of age. Drowning is also the second-leading cause of injury-related death among children under the age of 15. Moreover, each year nearly 6,000 children under…

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Check-In on Community Association Deck Safety

As the weather heats up, condo owners begin to take advantage of their decks for some outdoor barbecuing with friends and families, extra room, and fresh air. While these decks are real assets when selling a unit, they could become a liability for community associations depending on who is responsible for maintenance and repairs. 

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Spring Home Maintenance Checklist

Homes are an investment and maintaining them is a must. As many homeowners know, however, it isn’t always easy to know what needs to be done. Spring has officially sprung, making it the perfect time to inspect for winter damage and prepare for the warmer months to come. Share this checklist with your insureds to…

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How Agents Can Lower the Cost of Workers’ Comp

Workers’ Compensation insurance is mandatory in nearly every state and designed to provide employees with coverage for medical costs and lost wages for workplace-related injuries or illnesses. Work Comp premiums are based on three factors: classification codes, employer payroll, and an employer’s experience modification (ex-mod).

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HOAs Brace for Winter

While summer is the time for homeowners’ associations to show off their luxurious amenities — the sparkling pool, the pristine tennis courts, the vibrant landscaping, etc — winter is no less important when it comes to maintenance. When the weather turns frosty, a host of different problems present themselves. And if community associations are not…

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Preventing Frozen Pipes (And What to Do If They Freeze Anyway)

With temperatures dropping and different parts of the country experiencing their first snowfalls of the season, it is time for property owners to review frozen pipe preventative measures and share them with their tenants. Cold winter temperatures can cause pipes to freeze, or even burst. That’s because when water freezes, it expands, putting pressure on…

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Water Conservation Tips for Buildings

It’s a no-brainer: Water=Life. We need it, we use it, but we have to conserve it better. Commercial and residential buildings can have a huge impact on water conservation with just a handful of low-cost or no-cost water solutions.

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View from Above: Inside the Real Estate, Community Association Umbrella Markets

The impact of today’s hard insurance market – characterized by higher prices, diminished capacity, and tighter underwriting guidelines – is being felt across all industry sectors and, depending on the class of business and its location, much more so than others. Susan DeCarlo, Vice President – Product Manager, Distinguished – provides us with a high-level…

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Trick-or-Treat Safety for Community Associations

While individual homeowners may choose to partake in Halloween festivities however they see fit, community association owners have a responsibility to try to minimize the spread of COVID-19. The most widely-known Halloween activity — trick-or-treating — is expected to look different this fall in the wake of the pandemic. Below are a few trick-or-treat safety…

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Community Associations: Step Up Measures to Protect Against Fraud and Other Crimes

Fraud, embezzlement, and other types of employee theft are among the biggest exposures community associations face. Exacerbating this significant risk is that it typically takes 18 months before the average fraud scheme is detected. What’s more, often the theft involves small amounts taken over a long period of time, which goes unnoticed but results in…

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