The 2019 General Assembly session is officially over. The Maryland Condominium Act and Homeowner Act were not revised in this session and there are no new regulations to report. The Maryland Legislative Action Committee of the Community Association Institute worked on supporting 19 pieces of legislation and opposing three. Several pieces of legislation revolved around…
There are many reasons to commission or update a reserve study for your association. Reserve studies help you make a plan for your community to be financially viable well into the future. These plans can help you fund the association so that the community can adapt to economic fluctuations and trends in community living. Reserve…
As the frost melts and the daffodils bloom, everyone starts dreaming of sitting by or in the pool! This year, Maryland tried again to update rules and regulations regarding swimming pool operations, but ultimately, the rules remain the same. In Maryland, rules are established by Department of Health and Mental Hygiene – Code of Maryland…
$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…
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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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