CO is produced by the incomplete burning of solid, liquid or gaseous fuels from household items such as furnaces, ranges, water heaters and fireplaces. If these items are used or installed improperly, dangerous levels of CO can escape into the air and cause illness. That’s why it’s crucial to have a CO detection system within…
The popularity of electric vehicles (EVs) has been steadily increasing as consumers and the automotive industry move away from standard internal combustion engines. The U.S. Energy Information Administration reported that the sale of hybrid, plug-in electric and battery electric vehicles in the United States accounted for 16.3% of total new light-duty vehicle sales in 2023,…
In order to get a mortgage on a condominium, the condominium association has to have sufficient insurance. Unit owners are tasked with getting a certificate of insurance from the insurance agent and providing it to the mortgage company on an annual basis. Mortgage companies have gotten stricter with their requirements. Now lenders provide lists of…
Spring is here! Use this checklist to preserve the beauty, functionality, longevity, safety and value of your community. Check stairwell, walkway and balcony hand rail connections. Make sure they are tight. Change HVAC filters to keep energy costs down. Make sure that HVAC supply vents are cleared of obstructions. Test your smoke and carbon monoxide…
Condominium and community associations carry out several essential tasks and responsibilities, such as ensuring the facilities are maintained properly or managing the budget appropriately. However, these entities also face numerous risks. As such, they need to be aware of their exposures to enhance community safety and financial stability. Common Risks Common risks condominium and community…
What We’re Seeing Locally Coastal property is continuing to take increases in property rates, but the increases are trending lower than the 2023 increases. Properties that are claims-free and well-maintained are experiencing between 5-25%. Carriers are offering full coverage limits or additional coverages and lower deductibles for some risks. Wind coverage has been easier to…
The Atlantic Hurricane Season is from June through November. The Town of Ocean City closely monitors all tropical storms and stays in touch with the National Weather Service during any pending storms. Hurricane Watches and Hurricane Warnings are issued by the National Hurricane Center in Miami. A WATCH is issued for an area that could…
The Atlantic Hurricane season runs from June 1 to November 30. It’s time to review your insurance coverages to ensure you’re protected financially against hurricane-related losses. Here are five things to consider: Don’t wait until it’s too late—Check your insurance policies well before the storm to see what is and is not covered. Know your…
Requests for assistance animals are one of the most common types of accommodation requests. In fact, in January 2020, the United States Department of Fair Housing and Urban Development (HUD) reported that 60% of all Fair Housing Act (FHA) complaints arise out of the denial of a request for reasonable accommodations and disability access. Of…
Whether they were drafted 10 years ago by a developer, amended last week by an HOA’s Board of Directors, meticulously hewed to the letter of the law, long and technical or brief and simple, the bylaws, architectural guidelines and rules of every Maryland homeowner’s association all have one essential trait in common. None of them…
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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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