In a world where news cycles and social media feeds often amplify frustration, conflict, and division, it can be easy to believe that negativity is the norm. Yet every day, within our own neighborhoods, a very different story unfolds—one defined by cooperation, compassion, and resilience. Recent winter storms brought significant challenges to many communities. Tree…
The Challenge A condominium association preparing its required five year reserve study received an initial draft projecting over $7 million in fully funded needs and recommending $2.54 million in annual reserve contributions. This would have required owners to pay $384 per month—a level the Board believed was unrealistic and based on inflated cost assumptions. Their…
State statutes in Maryland, Delaware, and Virginia require community associations to carry fidelity coverage — also known as crime coverage, employee theft coverage, or a fidelity bond. This insurance protects association funds from theft, fraud, or misappropriation. Strong internal controls work hand in hand with proper insurance. Below are key practices every association should follow…
Spring Property Check-In After a long, tough winter, it’s the perfect moment to take a closer look at our properties. Snow, ice, plowing, and wind can leave behind issues that aren’t always obvious at first glance. Now that the plow damage, fallen branches, and debris are being cleaned up, it’s time for a thorough post-winter…
Homeowner associations can take proactive steps to reduce confusion, improve fairness, and lower the risk of legal disputes. While every community is unique, many conflicts arise from perceived selective enforcement—when some violations are addressed and others are not. The most common areas of dispute include: 1. Parking Restrictions 2. Architectural Guidelines…
A positive step toward stronger communities, healthier reserves, and more resilient properties. Community associations across the country will soon benefit from updated lending and insurance standards issued by Fannie Mae and Freddie Mac. These changes are designed to strengthen financial planning, improve long term maintenance, and ensure adequate insurance protection — ultimately supporting safer, more…
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…
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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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