On September 12, 2017, Delaware Department of Insurance Commissioner, Trinidad Navarro, issued Bulletin #27 targeted to insurance producers and adjusters reminding everyone of the existing rules concerning the primacy of condo association master policies. The bulletin is the result of reports that some management companies were refusing to give individual unit holders access to file…
Floods can be miserable ordeals, even with extensive preparation. They can spring up with little to no warning and saddle you with the responsibility of a lengthy, expensive restoration period. Your business could be underwater in a flash, and you could be faced with mounting repair bills and extended interruption to your business. But floods…
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…
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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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…
Association Reserve Studies are a vital component of setting budgets for community associations. Community Associations typically have at least two budgets/accounts: operating expenses and reserves. Operating expenses are for those normal day to day expenses such as staff, maintenance, utilities, taxes, etc. Reserve funds are set aside for those big ticket items that are know…
Most people would probably guess that the majority of homeowners claims are fire claims, but they're not. Fire claims can be extreme, often a total loss, but the most common homeowners claim is water damage. Whether it's from inside our outside your home, water can do serious damage. Here's some tips from the Insurance Information…
Security is a big issue for community associations. A high profile crime can point a spotlight on potential liabilities and holes in your current program. We recently came across a good article listing the Top 10 Security Mistakes Homeowners Associations Make from SecurityNet.Com Here's their Top 10 list: Not Conducting a Security Survey, Audit, or…
The heavy rainfall, high wind and storm surges associated with hurricanes and other intense storms can devastate any business, even those located hundreds of miles off a coast. Because these storms have the potential to cause tens of billions of dollars in damage, insurance providers generally use special, “named storm deductibles,” to provide coverage in…
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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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