Communicating with your Community of Homeowners

In a condo or homeowners association (HOA) community, relationship building between the HOA board and members is important. Since homeowners have a high personal stake in their investments, it is important to communicate problems, issues and board decisions that impact them in a timely manner. Poor communication may lead to the misinterpretation and misunderstanding of…

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Controlling Windstorm Damage

Homeowners can suffer a magnificent amount of damage from windstorms and hurricanes. Homeowners can reduce their exposure to these losses by protecting the roof, windows, entry doors and garage doors. Roof Protections: Have your roof inspected to make sure that it’s up to code and has enough nails per shingle. Make sure gables are securely…

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National Flood Insurance Program Extended till December

The National Flood Insurance Program (NIFP) was set to expire on September 30, 2017. The federal government has extended the NFIP until December 8, 2017. NFIP program is vital to coastal areas, and having the program's existence up in the air creates uncertainty for those buying or selling coastal properties or any property located within…

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Stock Throughput Policy

As the global economy expands, many businesses have more exposures related to the transportation of their goods, both domestically and internationally. Traditionally, the responsibility for insuring goods traveling overseas fell on freight forwarders, while local insurers would provide coverage for cargo within the country. However, that arrangement led to potential gaps in coverage when loading…

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DOL Reinstates Wage and Hour Opinion Letters

On June 27, 2017, the U.S. Department of Labor (DOL) announced that its Wage and Hour Division will reinstate the practice of issuing opinion letters. The DOL discontinued the practice of issuing opinion letters seven years ago in favor of publishing more general guidance. Opinion letters provide guidance to employers on how to comply with…

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