After a long and difficult winter filled with storms, property damage, and a high volume of claims, we wanted to take a moment to simply say “thank you” to the community managers who worked countless hours helping their communities navigate the challenges. In recognition of International Community Association Managers Day, Deeley Insurance Group hosted a…
As we celebrate the 250th Anniversary of the United States of America, there is no better time to reflect on the values that have united our country for nearly two and a half centuries—freedom, community, service, and respect for one another. Across Delaware and Maryland, neighborhoods will soon be filled with backyard barbecues, community events,…
If you’ve lived in Delaware long enough, you’ve probably heard the phrase “Lower Slower Delaware.” While the nickname is most often reserved for Sussex County, it also captures something many Delawareans appreciate about our state: we don’t tend to rush into things. Unlike neighboring Maryland, where community association laws seem to arrive with the regularity…
This past winter reminded us just how vulnerable community associations can be to water damage and freezing temperatures. Between December 2025 and March 2026, condominium and association communities experienced 61 property claims, resulting in more than $1.6 million in paid losses, with additional claims still being adjusted. While winter storms, wind, snow, and fallen trees…
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…
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Client Support Team
Deeley Insurance Group
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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