A question that has come up several times over the last few months is regarding the waiver of subrogation clause found in governing documents for most community associations. Most homeowners, and many managers, do not understand what it is and why it is so important. I think the best way to explain it is to… Read More


A blue car has rear-ended a red car

Last week at the CACM Northern California Law Seminar, we had a little game for those that visited the Berg Insurance Agency booth. Pick a card, answer a question, and win a very cool Berg Utility Card (even if you got the answer wrong). We were impressed at the knowledge of most of the managers… Read More


Happy New Year 2017

Last year at this time, we talked about New Year’s Resolutions for your communities. So how did that go? What? You don’t remember what the resolutions were? Here’s a refresher: 1. Take Inventory – Take photos and have a list of all the “little things” the association owns but are not necessarily listed in the… Read More


Picture of a hallway damaged by destruction and graffiti

It is finally holiday time! That wonderful time of year when we go over the river and through the woods to Grandmother’s house. Which leaves our home empty. How does an empty home affect insurance? Let’s look at an example. An empty unit in your community was vandalized. There is significant damage to the interior,… Read More