In a world where news cycles and social media feeds often amplify frustration, conflict, and division, it can be easy to believe that negativity is the norm. Yet every day, within our own neighborhoods, a very different story unfolds—one defined by cooperation, compassion, and resilience. Recent winter storms brought significant challenges to many communities. Tree…
Homeowner associations can take proactive steps to reduce confusion, improve fairness, and lower the risk of legal disputes. While every community is unique, many conflicts arise from perceived selective enforcement—when some violations are addressed and others are not. The most common areas of dispute include: 1. Parking Restrictions 2. Architectural Guidelines…
A positive step toward stronger communities, healthier reserves, and more resilient properties. Community associations across the country will soon benefit from updated lending and insurance standards issued by Fannie Mae and Freddie Mac. These changes are designed to strengthen financial planning, improve long term maintenance, and ensure adequate insurance protection — ultimately supporting safer, more…
Coastal condominiums typically allocate 50% of the budget to insurance premiums. Property coverages are the largest expense in our Condominium Association’s risk management programs. We are happy to see a stabilization occurring in the property market. For more information, see our Fall Coastal Property Market update here. Liability coverages are continuing to see increases in…
Batten Down the Hatches by Alexis Shea, CMCA, AMS When a Category 5 hurricane is barreling toward your community association, the last thing you want to discover is that you are unprepared. Resident life and safety may be at risk in the coming days or hours. As a portfolio community manager with experience managing associations…
Community Associations Institute (CAI) Maryland Legislative Action Committee (MD LAC) spent the 2025 legislative session advocating on behalf of the approximately 1,062,000 Marylanders living in 406,100 homes in more than 7,100 community associations across the Old Line State. Maryland’s 2025 legislative session began on January 8 and adjourned April 7. In the House, MD LAC supported…
Rising property insurance costs continue to present challenges for community associations across the country. New data from the Foundation for Community Association Research underscores what many homeowners, boards, and community managers are experiencing: higher premiums, fewer coverage options, and more complex compliance requirements, especially in the condominium housing market. According to the Foundation’s recent Insurance…
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…
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…
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Client Support Team
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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