Board members of both public and private companies have a fiduciary responsibility to establish and oversee business policies that drive a company’s financial growth and performance, including how their organization manages cybersecurity threats. Not only can a company be put at risk by cybersecurity breaches, but a director can also be held personally liable in…
If it looks like a dog and acts like a dog, then community association restrictions regarding dogs must apply, right? Not if the dog is an assistance animal. Assistance animals play an important role in the lives of people with disabilities. The federal Fair Housing Act (FHA), the Americans with Disabilities Act, as well as…
Community associations simply can’t function without volunteers. Board members and committee members play a critical role in making community associations vibrant and attractive places to live. Finding, motivating, directing, and creating long-term volunteer partnerships, however, can be challenging. Yolanda M. Wilson, manager of neighborhood vitality in the City of Mesquite, Texas, creates engagement opportunities and…
Reserve Fund Studies are recommended as Best Practices for HOA and Community Associations. These studies list the association-owned and maintained property and assign an expected useful life and a probable cost to replace. These studies can also break down how much money an association needs to set aside on a yearly basis so that large…
Strong, Responsible Organizations Protect Their Leaders With D&O Coverage BY: Client Advisor Megan Muller, CIC When you volunteer on a board, you’re donating your time, experience, and energy to an organization you care about, and you’re focused on how you can contribute to the group. But before you jump ‘on board,’ there are important liability…
For 2021, Colorado State University (CSU) hurricane researchers are predicting an above-average Atlantic hurricane season, which runs from June 1st to November 30th. Specifically, CSU researchers believe there will be 17 named storms in 2021. This is above the average 12.1 named storms per year that occurred from 1981-2010. Of the predicted 17 named storms…
How do homeowners associations foster community when having neighbors over for dinner or using the clubhouse cannot be done safely because of COVID-19? As residents look for safe ways to socialize, some are asking board members to allow propane-operated fire pits for outdoor enjoyment during the fall, spring, and summer seasons. “Fire pits are a…
2020 brought good news in regards to the National Flood Insurance Program (NFIP). The program saw a net income of $9.7 million and was reauthorized for a full year through September 20, 2021. The pandemic had two positive impacts on the NFIP: Pivoting the new claims adjustment system, which allowed policyholders to use technology to…
During the pandemic we saw associations move to virtual meetings and electronic voting. Some association documents require in-person meetings and include specific language on how the voting process should work. In Delaware, the state statute governing Community Associations allows for remote or virtual meetings. As state statute supersedes the governing documents, associations may hold virtual meetings.…
Most HOA Boards are made up of volunteers, and homeowner volunteer decisions are protected by the Directors & Officers insurance policy. These are the most common claims facing associations’ Boards of Directors. Violation of the Governing Documents Rules should be enforceable and enforced Meetings should be held per the documents Architectural Guidelines should be followed…
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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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