If you don’t have a plan to maintain your sidewalks or to keep them clear of snow and ice, could this happen to YOU? Municipality Agrees to $18.3 Million Settlement After Woman Slipped on Sidewalk A municipality has agreed to a pre-trial settlement of $18.3 million after a resident tripped over a damaged section of…
Even with new regulations allowing communities in Maryland two additional years to fund the reserves, associations are struggling to reach the funding limits needed. If you are struggling to fund the reserves to the level required by the study, consider signing up for this educational class from Reserve Advisors. Join Reserve Advisors, LLC and my…
The Rehoboth Beach/Dewey Beach Chamber of Commerce recently reported that federal funding for a flood mitigation project on Read Avenue in Dewey Beach – previously approved through the U.S. Army Corps of Engineers in August of 2024 – is currently being withheld, putting this critical project on hold. As a low-lying coastal town, Dewey Beach…
The Maryland Legislative Action Committee is pursuing legislation to increase an owner’s financial responsibility to $25,000 when a loss originates from a unit or from a component servicing only that unit. The current statutory cap is $10,000. In addition, MD LAC is amending current language to pass through the total amount of damage that originates…
The Maryland LAC represents community associations in lobbying the Maryland legislature on all issues that could impact community and condominium associations. In recent years, this diverse group of homeowner leaders, community managers, and representatives from community association business partners has helped implement several changes for communities and condominium insurance requirements. It is expected in 2026…
Coastal condominiums typically allocate 50% of the budget to insurance premiums. Property coverages are the largest expense in our Condominium Association’s risk management programs. We are happy to see a stabilization occurring in the property market. For more information, see our Fall Coastal Property Market update here. Liability coverages are continuing to see increases in…
Community Association cyber risk is lower than other industries, but it still presents a risk to associations everywhere. Kevin Davis Insurance Services provided the four most common cyber risks to associations: Cyber Crime – Loss of Community Association Funds Ransom Demands – Extortion payments to restore access to the data Data Breach – Loss of…
We know you’re preparing budgets for the Board to consider and homeowner envelopes to send your budget to all for review. What else goes in your budget mailer? Winterization Reminders Risk Management Tips Reminders to purchase unit owner or homeowner insurance Clarification of insurance deductibles and who will be responsible to pay them (per the…
In 2021, Deeley shared news of the changes to NFIP‘s risk rating system for flood insurance. “Risk Rating 2.0” took into account a number of new variables to establish rate, the most prominent being: Flood frequency Flood type (e.g., river overflow, storm surge, heavy rainfall and coastal erosion) Distance between a property and water source…
Floods are among the most common and costly natural disasters in the United States. Flooding from heavy rain or overflowing waterways can cause severe damage, even outside designated flood zones. So it’s important to understand your risk and prepare your property. Know Your Risk Use these tools to help assess how vulnerable your home may…
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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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