Insuring for Disasters: HOA Budgeting and Planning

The recent hurricanes in Texas and Florida have many of us thinking about what we would do in a catastrophe. For association boards, insurance is the front line of disaster […]

3 Questions to Ask Before Buying Homeowners Insurance

For many people, their home is their greatest asset, yet studies show that 59% of today’s homes are underinsured. Homeowners should update their insurance regularly to include improvements, major purchases […]

El Nino is on its Way!

Published in the ECHO Journal, December 2009 The Climate Prediction Center of the National Weather Service issued an El Nino Advisory July 9, 2009 for the winter of 2009-2010. El […]

Left Holding the (Sand) Bag

Published in the ECHO Journal, August 2010 Who will Pay for the Damage Caused by Rising Sea Levels? It Could be Your Homeowners Association. The San Jose Mercury News: “From […]

Landslides: Nuisance or Construction Defect?

Published in the ECHO Journal, May 2011 As I write this, northern California is experiencing the second straight week of rain in an otherwise very wet year. Continuous rain soaks […]

Disaster! No Reserves. No Insurance.

What’s Left if a Natural Disaster Destroys a Community Association? We have seen horrific earthquake disasters in New Zealand and Japan. There have been devastating floods along the Mississippi River […]