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…
Community associations have a keen interest in state and local laws and how they affect their self-governance. CAI’s state legislative action committees provide invaluable services by working with legislators and other government officials to craft reasonable laws and regulations for community association stakeholders. The federal government also impacts community associations. CAI members who serve, devote time, expertise,…
Many Americans have turned to side hustles or completely changed how and where their brick-and-mortar business operates during the COVID-19 pandemic. Across the country, a growing number of pet groomers, hair stylists, fitness instructors, daycare workers, and entrepreneurs have set up home businesses, posing a challenge to community association restrictions. Generally, community associations have the right…
Most home fires occur in the kitchen while cooking and are the leading cause of injuries from fire. Common causes of fires at night are carelessly discarded cigarettes, sparks from fireplaces without spark screens or glass doors and heating appliances left too close to furniture or other combustibles. These fires can be particularly dangerous because…
The COVID-19 pandemic, resulting economic recession, protests for racial and cultural equality, an incredibly divisive election cycle, wildfires, hurricanes, and more made 2020 one of the most difficult and stressful years ever. For community association board members and managers, all of these events have made a tough job even tougher. Homeowners have put more pressure…
As communities are dealing with extra stress due to the pandemic, so are the individuals who live in those communities. Community Association Institute released this great article highlighting 6 ways to reduce tension in your community. Listen Control your Emotions Show Empathy Educate Explore Options Involve the Attorney Educating Boards and homeowners on insurance and…
Winter storms may bring snow and ice. Community Associations need to make sure they are prepared for the removal of snow and ice buildup in the community. Remind individual owners/tenants of any responsibility regarding the removal of snow and ice at the home or the unit. When you are reminding homeowners, be sure to remind…
In a storyline only 2020 could deliver, as the nation slogs its way through a pandemic and economic recession, home sales have increased by 25% according to the National Association of Realtors, and mortgage lending has jumped 33% according to the Mortgage Bankers Association. Now, changes to federal mortgage rules are in the works. Community…
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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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