Strong, Responsible Organizations Protect Their Leaders With D&O Coverage BY: Client Advisor Megan Muller, CIC When you volunteer on a board, you’re donating your time, experience, and energy to an organization you care about, and you’re focused on how you can contribute to the group. But before you jump ‘on board,’ there are important liability…
For 2021, Colorado State University (CSU) hurricane researchers are predicting an above-average Atlantic hurricane season, which runs from June 1st to November 30th. Specifically, CSU researchers believe there will be 17 named storms in 2021. This is above the average 12.1 named storms per year that occurred from 1981-2010. Of the predicted 17 named storms…
How do homeowners associations foster community when having neighbors over for dinner or using the clubhouse cannot be done safely because of COVID-19? As residents look for safe ways to socialize, some are asking board members to allow propane-operated fire pits for outdoor enjoyment during the fall, spring, and summer seasons. “Fire pits are a…
2020 brought good news in regards to the National Flood Insurance Program (NFIP). The program saw a net income of $9.7 million and was reauthorized for a full year through September 20, 2021. The pandemic had two positive impacts on the NFIP: Pivoting the new claims adjustment system, which allowed policyholders to use technology to…
During the pandemic we saw associations move to virtual meetings and electronic voting. Some association documents require in-person meetings and include specific language on how the voting process should work. In Delaware, the state statute governing Community Associations allows for remote or virtual meetings. As state statute supersedes the governing documents, associations may hold virtual meetings.…
Most HOA Boards are made up of volunteers, and homeowner volunteer decisions are protected by the Directors & Officers insurance policy. These are the most common claims facing associations’ Boards of Directors. Violation of the Governing Documents Rules should be enforceable and enforced Meetings should be held per the documents Architectural Guidelines should be followed…
Community associations have a keen interest in state and local laws and how they affect their self-governance. CAI’s state legislative action committees provide invaluable services by working with legislators and other government officials to craft reasonable laws and regulations for community association stakeholders. The federal government also impacts community associations. CAI members who serve, devote time, expertise,…
Many Americans have turned to side hustles or completely changed how and where their brick-and-mortar business operates during the COVID-19 pandemic. Across the country, a growing number of pet groomers, hair stylists, fitness instructors, daycare workers, and entrepreneurs have set up home businesses, posing a challenge to community association restrictions. Generally, community associations have the right…
Most home fires occur in the kitchen while cooking and are the leading cause of injuries from fire. Common causes of fires at night are carelessly discarded cigarettes, sparks from fireplaces without spark screens or glass doors and heating appliances left too close to furniture or other combustibles. These fires can be particularly dangerous because…
The COVID-19 pandemic, resulting economic recession, protests for racial and cultural equality, an incredibly divisive election cycle, wildfires, hurricanes, and more made 2020 one of the most difficult and stressful years ever. For community association board members and managers, all of these events have made a tough job even tougher. Homeowners have put more pressure…
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You are about the leave our site and submit the information to pay your bill. A licensed agent from our team will need to process your payment to make it official – we cannot bind coverage via web request. Let us get to work for you. Want to talk? Call us. 410-213-5600
Client Support Team
SCD Intermediaries
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