Since all Homeowners Associations are unique, there are important steps each Association Board should take to ensure they budget effectively. Here are some tips for planning out your HOA budget: It is important for all board members to understand and make decisions based on their fiduciary duty. They have a responsibility to act for the…
Ray Via of Whiteford, Taylor and Preston reviewed smoking restrictions at the DCMA meeting on October 11, 2016. Major points for Boards to think about: Banning smoking in units has not been upheld by the courts. Unit owners are using the “nuisance” provision in the documents to force the Board to take action. If the…
Do you use Dropbox? And what are you storing there? Journalists at Motherboard reported that they obtained documents which show that more than 68 million users were affected by the data breach at Dropbox—one of the world’s largest file-hosting companies. The information contained in the documents has since been identified as authentic by officials at…
This October is Cyber Security Awareness Month, an event co-sponsored by the Department of Homeland Security (DHS) and the National Cyber Security Alliance (NCSA) in order to raise awareness of the importance of cyber security issues. While the event is designed to highlight some of the nation’s cyber security precautions, as well as how to…
Flooding has the potential to cause severe damage to your home; according to the National Flood Insurance Program (NFIP), the average flood insurance claim is nearly $42,000. Additionally, it can be difficult and dangerous to clean up flood damage. Use these precautionary measures to help prevent water from getting into places it isn’t wanted: ·…
Currently in Maryland the homeowner of a condominium can be held responsible for the deductible up to $5,000. The deductible is charged to the unit where the claim originates, referred to as the point of origin. This allows the association to pay the deductible if the claim originates on common elements only. Community Association Institute…
The fee charged for a resale package has been capped as of October 1, 2016! This is applicable to condominiums and homeowners associations. A resale package can cost $250 or less. Two additional charges over $250 can be added. A fee to rush the package is $50 and an inspection of the unit is $100.…
One great way to get prepared is to document your property! Take pictures and videos and make sure you share them with your insurance agent. Some items need to be scheduled or listed on your insurance policy. Make sure that you tell your agent about jewelry, coin or weapon collections. Click here for ways to…
Condominium Associations, when possible, should attempt to be FHA certified. The FHA certification makes it easier for purchasers to secure a loan and that the loan would have lower down payment requirements. Certification was particularly hard to obtain for many of our clients for one main reason: Previously, 50% of condominium units needed to be…
Keep these terms in mind so you know when to start preparations for incoming weather. Tropical Cyclone: A warm-core, non-frontal, synoptic-scale cyclone, originating over tropical or subtropical waters, with organized deep convection and a closed surface wind circulation about a well-defined center. Once formed, a tropical cyclone is maintained by the extraction of heat energy…
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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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