Picture of a home and trees burning in a fire

Early last month, there was a fire at a condominium community that we insure. One unit was completely gutted, another sustained moderate damage, and a third unit had minor smoke damage. The unit that was gutted, which had all their belongings in a soggy, ashy pile outside, had no condominium unit owners (HO-6) policy. In… Read More


Man with binoculars standing atop a huge stack of books

It has been said “never stop learning, because life never stops teaching.” As the kids head back to school, it is important to remember that adults can benefit from educational opportunities as well! Recent lunch and learns have resulted in some very interesting questions and I even learned a few things when researching answers! For… Read More


Image of Terri Guest

Terri Guest has been named a Certified Manager of Community Associations (CMCA®) by the Community Association Managers International Certification Board (CAMICB), adding this to her designation of CIRMS (Community Insurance Risk Management Specialist). Terri joins more than 14,000 CMCAs worldwide who have demonstrated the skills essential for managing homeowner and condominium associations and cooperatives. Join… Read More


image of blueprints, helmet and screwdrivers

This month’s Coverage Corner comes to us from Tracie at Associa Northern California: “A company re-roofed two buildings at an association and has since gone out of business. It was recently discovered that they omitted necessary flashing. Does the HOA have any recourse?” The answer is “YES!” This is the exact reason why you get… Read More