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Community Associations

​​Insurers Focus on Increased Need for Inspections, Repairs for Older Buildings Amid the Surfside Condo Collapse

On June 24, part of the Champlain Towers South in Surfside, Florida, collapsed in the wee hours while many residents slept. To date, 97 residents have been confirmed dead. The catastrophic loss has sent shockwaves throughout this oceanfront community located in Miami-Dade County.

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Built to Rent Suburbs Picking Up Steam

Homeownership has been on the decline for decades, and not only among millennials. House prices have risen at a rate disproportionate to income, making homeownership increasingly unaffordable. Rent too has increased, contributing to Americans’ inability to afford down payments, but remains more affordable than homeownership.

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Tips for Having a Safe Summer BBQ

On average, 10,600 home fires are started by grills each year. Approximately 20,000 patients go to the emergency room each year for injuries involving grills, totaling upwards of $37 million in damages. As the weather heats up and summer barbecues commence, don’t become a statistic. Share these simple tips for safe grilling with your property-owning…

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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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