When community associations talk about disaster preparedness, the conversation often focuses on insurance. Do we have enough property coverage? Are our flood limits adequate? What deductible will apply? Those are important questions. But after a major storm, some of the biggest challenges facing a community may have nothing to do with filing a claim. Sometimes…
E-bikes, scooters, power tools, laptops, phones, and many mobility devices all use lithium-ion batteries. These batteries have made modern life more convenient and accessible. For most people, they provide years of safe and reliable service. However, like any technology, lithium-ion batteries can become dangerous if they are damaged, improperly charged, modified, or used with incompatible…
Every autumn, community associations remind owners to winterize their units before heading home for the season. And every autumn, someone writes: “Please remember to turn off your water and maintain sufficient heat.” It’s good advice. It’s also incredibly boring. The problem isn’t that owners don’t know they should winterize. The problem is that after hearing…
A multi-year advocacy effort by Community Associations Institute brings welcome relief for volunteer board members. There’s some good news for community association boards — and it’s the kind of news worth sharing. On August 11, the U.S. Department of the Treasury’s Financial Crimes Enforcement Network (FinCEN) issued a final rule permanently exempting U.S. companies and…
Community association issues don’t stop at the state or local level. Decisions made in Washington can have a very real impact on association budgets, insurance costs, disaster recovery, condominium financing and the ability of communities to maintain their properties. That was the focus of the Community Associations Institute (CAI) 2026 Congressional Advocacy Summit, held September…
If you’ve lived in Delaware long enough, you’ve probably heard the phrase “Lower Slower Delaware.” While the nickname is most often reserved for Sussex County, it also captures something many Delawareans appreciate about our state: we don’t tend to rush into things. Unlike neighboring Maryland, where community association laws seem to arrive with the regularity…
This past winter reminded us just how vulnerable community associations can be to water damage and freezing temperatures. Between December 2025 and March 2026, condominium and association communities experienced 61 property claims, resulting in more than $1.6 million in paid losses, with additional claims still being adjusted. While winter storms, wind, snow, and fallen trees…
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…
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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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