$10,000 Condominium Master Policy Deductible In Maryland, the master policy deductible can be assessed to the unit owner of origin – or where the claim started. These are the rules: The unit owner can only be assessed a maximum of $5,000 The association must annually tell the unit owner the amount of the deductible The…
Flood Facts Property owners and renters should buy flood insurance even if you aren’t in a high-risk area. Your chances of being flooded are much greater than some other risks you face daily. If you live in a 100-year floodplain, there’s more than a 1 in 4 chance that you’ll be flooded during a 30-year…
The National Flood Insurance Program typically sees minor changes every April and October. This April, the following policy changes will occur: Flood declaration pages will now have the following statement: Refer to https://www.fema.gov/cost-of-flood for more information about flood risk and policy rating. 2- to 4-family buildings can be considered a primary residence with the smaller…
The Delmarva Condominium Managers Association welcomed Dr. Cliff Mitchell Director of the Environmental Health Bureau, Maryland Department of Health and Mental Hygiene to the monthly meeting on February 12, 2019. Dr. Mitchell reviewed changes in pool operating procedures and pending updates to COMR 10.17.01 Public Swimming Pools and Spas. As presented, the changes would allow…
Amending Governing Documents is HARD! The General Assembly of Maryland is reviewing a bill to change the real property act (condominium and HOA) to make the process of amending documents a little easier. “If the declaration contains a provision requiring any action on the part of the holder of a mortgage or deed of trust…
The insurance industry in our region is experiencing increased losses due to water damage. It could be an icemaker leak, washing machine overflow, or a frozen sprinkler line – causing water to run through condominium buildings from unit to unit causing extensive damage and repairs. Often insurance carriers will review losses, and if there are…
Good News: The National Flood Insurance Program was extended to May 31, 2019. During the government shut down, the Federal Emergency Management Agency (FEMA) had determined not to sell new or renew flood insurance policies until funding was appropriated by the federal government. On Friday, December 28th, FEMA reversed that decision and will continue to sell…
The holidays are upon us and with it comes the sparkle and shine of holiday decorations. Community associations welcome and appreciate the beauty during the holiday season, but there are restrictions and rules within the community gates. Writing violation letters for holiday decorations is not enjoyable for anyone involved and it’s important that associations follow the bylaws. The…
Recently, the Town of Ocean City personnel discussed implementation of a storm-drain cleaning project. The project is currently underway throughout the Town of Ocean City. The focus is help alleviate flooding caused during rainfall occurrences, which is a present concern in many communities throughout Ocean City. The Town of Ocean City has done a great job throughout the years with…
As the First State continues to thrive with new community associations, the Office of the Ombudsman for common interest communities is working hard to provide best practices on how to run these organizations. To that avail Chris Curtin, Office of the Ombudsman worked with the Community Association Institute and provided homeowner seminars in all three counties…
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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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