From repaving roads to replacing roofs, communities and homeowner associations (HOAs) routinely hire vendors for projects that affect safety, property values, budgets, and neighbor trust. When costs rise, it’s tempting to choose the lowest bid, hire a contractor without solid coverage, or manage a major job in-house. The trouble is that “cheap” decisions often don’t save money—they relocate it into change orders, delays, disputes, liability exposure, and long-term maintenance

California's fire seasons are growing longer and more intense, and both state and local agencies are turning their attention to a crucial area around homes called “Zone 0.” For homeowner associations and residential communities, knowing about Zone 0 is more important than ever—not just for safety, but also for long-term landscaping, upkeep, and insurance. What Is Zone 0? Zone 0 is the first 5 feet around a home or building. Experts now see this area as one of the most importa

The real estate casualty market has continued to tighten in recent years. Market cycles are nothing new to the insurance industry;...

Homeowners Associations (HOAs) in California face unique challenges in today's insurance market, marked by increasing premiums and...

In recent years, a growing concern has emerged among individuals, businesses, and policymakers alike: the relentless surge in insurance...

The air was warm on that fateful morning of June 24, 2021. News of the beachfront Champlain Towers, a condominium complex partially...

For common interest developments, state laws and associations' governing documents lay out requirements for what types of insurance an...