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/ Owner - June 8, 2012

In addition to the articles below, there are four videos available for viewing, including an introduction to living in a condominium or homeowner association, and what an owner needs to know about insurance and reserves in community associations.  Please feel free to link to these videos from your association or management web site, providing new owners with a quick and easy introduction to community association living.

Articles for Owners in a Community Association

Living in a Condominium or Homeowner Association

  • The reality of modern American HOAs (Study) July 28, 2022
    Homeowner associations, or HOAs, were originally designed to create desirable living spaces for residents. But have they become an outdated relic of neighborhoods past? One thing’s for sure: Lots of people don’t like them. As housing prices continue to increase, many people are reluctant to pay a monthly fee on top of their rent or mortgage, particularly to an organization they don’t agree with. Additionally, people may have to pay even more to their HOAs for citations and fines.   Read ...
  • Jacksonville mother wants Miya’s law to include people who live in condos and other rental homes (FL) July 2, 2022
    To Roth, Miya’s Law doesn’t impact condos because the language in the law uses “transient and non-transient apartments.” He explained how there are Florida statutes that transients is defined as ‘intending to be temporary’. Non-transient means ‘intending to be permanent.’ The attorney said it is possible law makers could make amendments to the law, but Shipp’s argument could be tough to prove to a judge.  Read the article……………………………
  • New Arizona HOA flag law is ripe for a constitutional challenge June 21, 2022
    Earlier this month, Gov. Doug Ducey signed a bill into law that would force HOAs to allow residents to fly flags that support law enforcement and first responders. But they won’t be able to raise a flag proclaiming gay pride or Black Lives Matter unless their HOA approves.   Listen to the broadcast………………..
  • HOA Homefront: Civility must start somewhere (CA) October 17, 2020
    From presidential debate stages to courtrooms to families to HOAs, civility is becoming so rare, it should be considered endangered. Differences of opinion are no longer allowed – either you agree with me or you are a demon and I will reject any dialogue with you.   Read the article…………………………………
  • DORA Releases its Sunset Review for the HOA Information and Resource Office (CO) October 22, 2019
    The Department of Regulatory Agencies (DORA) released its Sunset Review for the HOA Information and Resource Office on October 15, 2019 (Report). This article summarizes that Report and makes some observations. Please review the Report and draw your own conclusions. This article contains the opinions of the author, and not the opinions or positions of Altitude Community Law P.C.    Read the article…………………….

Living in an Association Archives

Volunteering in a Condominium or Homeowner Association

  • Here Are the Top Reasons Why People Run for Co-op and Condo Boards (NY) February 10, 2024
    Serving on a co-op or condo board is nice work if you can get it. The pay is terrible (that is, nonexistent). The hours can be long. The level of satisfaction among shareholders or unit-owners can range from sky-high to the bottom of the basement. When things go wrong, it’s the board’s fault; when things go right, people tend not to notice. And if the board has to raise monthly charges or levy an assessment — fuhggedaboudit. So why would ...
  • How to Build a Great HOA Board January 31, 2024
    Ever wondered what it takes to cultivate a thriving and effective HOA? The key to any successful homeowner’s association is having a competent and dedicated board of directors. Read the article…………………………….
  • Philippines: Lazy volunteers must be kicked out December 18, 2023
    IF a volunteer-dentist offers to serve the needs of an impoverished community on a certain day and time and comes in two hours late, would you fault him for that? Some people say no. The dentist is offering his free time and services, so better ignore that minor lapse. In a homeowners’ association, if a retired accountant volunteers her expertise to prepare their financial statements and she fails to do her job, would you blame her for that?    Read the ...
  • Keys to Effective Homeowner Association (HOA) Leadership October 2, 2023
    I recently facilitated an election at a contentious HOA meeting. The lone board member called a special meeting to fill the vacant board seats and she was concerned it would not go smoothly due to conflict amongst the members.   Read the article……………………………..
  • Are Your HOA Volunteers Covered for Injuries? August 24, 2023
    Homeowners Associations (“HOAs”) rely on the efforts of their volunteer directors, officers, and committee members to perform all manner of tasks needed in assisting the HOA with its operations. Participation by these HOA volunteers in common tasks such as site inspections, including slope inspections, landscape committee walk-throughs, and even meeting room set up and take down can all create a risk of personal injury to the volunteer. If such injury were to occur, would the volunteer be covered by the ...

Volunteering Archives


Working With the Board

  • Elevate Your Co-op Board Game (NY) December 3, 2023
    Ever found yourself navigating the tricky waters of a coop board with that one steadfast but hesitant volunteer? Picture this: a decision hangs in the balance, and despite the collective will of the board, this one individual assumes/ possesses the power to halt, delay, or even stop progress.   Read the article…………………………….
  • How To Effectively File A Complaint To Make Sure HOA, Co-Op Board, Or Landlord Listens October 30, 2023
    Making a complaint to your HOA, co-op board, or landlord can be frustrating because you can’t ever be sure they will actually listen to you. Sometimes, the complaint process can be worse than the problem itself. We’ve all dealt with the nightmare of noisy neighbors, the random rent increases that mess with our budgets, or the deadly black mold hiding in the bathroom.     Read the article………………………………
  • The Age of the Homeowner October 15, 2023
    In the community management industry, we’re entering an era where homeowners and board members, the core stakeholders of every community, are becoming the new focal point. While the industry has long prioritized back-office efficiency, a new emphasis on putting technology directly into the hands of homeowners and board members is emerging.   Read the article………………………………
  • ACC Request Denied? Here are the Steps to Making a Proper Appeal July 18, 2023
    If you live in a community with an HOA, then you likely know that home improvement projects require approval from your association’s Architectural Control/Review Committee (ACC/ARC). While this extra step can feel tedious when you’re ready to break out the paint and tools, it is important as it helps your community maintain a cohesive look, which ultimately protects your home’s value.   Read the article………………………..
  • How to Create a Good Working Relationship with Board Members March 30, 2023
    Fostering a good relationship with the board benefits everyone. To connect with board members and build a successful partnership, consider these recommendations:  Read the article………………………..

Communicating With the Board Archives


Buying & Selling in a Community Association

  • Your Guide to HOAs February 29, 2024
    When searching for your next home, the neighborhood or community you choose matters when it comes to things like affordability, proximity to work and the right schools for your kids.  If the neighborhood you like best is governed by a homeowners association, you’ll have a few more factors to consider, from the additional monthly cost involved to whether you’ll be willing to abide by certain rules. First, it’s important to understand exactly what a homeowners association does.      Read the ...
  • Lenders Identify Risks and Opportunities for Condo Lending (FannieMae) February 22, 2024
    With the U.S. housing market continuing to confront the significant supply shortage of homes for sale, condos may play an important role in narrowing the supply gap of affordable housing options1. While condos represent nearly 10 percent of the mortgage market, they often play a larger role in many metropolitan areas2. Condos also present unique risks, as condo owners share financial responsibility for the operation and maintenance of the common areas and shared amenities. The complexities of underwriting condo project ...
  • Insurance Changes Could Lead to Association Members’ Inability to Sell Their Units January 30, 2024
    Fannie Mae and Freddie Mac are large, government-backed companies that play a crucial role in the mortgage market. In late 2008, following the global financial crisis, the federal government took over operations at both companies, and these government-sponsored enterprises (GSEs) now guarantee most of the mortgages in the United States. Read the article…………………………….
  • Ask a real estate pro: How can we find out about upcoming assessments before we buy a condo? December 21, 2023
    Q: Before buying our unit, we rented another apartment in the condominium for a month and tried to meet as many people, including staff, to learn as much as possible. Shortly after we bought our unit, the building passed a special assessment to boost reserves. We were sent a letter about another assessment to go with the annual dues increase. When I asked about these increases, I learned that the building needed repairs and is having a dispute with the ...
  • What Is a Condo? Everything You Need to Know December 19, 2023
    Tired of living in an apartment? Need to downsize? Then a condominium, or a condo, may be the home solution for you. But what is a condo?   Read the article……………………………

Buying & Selling in a Community Association Archives


Insurance for Owners in a Condominium or Homeowner Association

  • Thousands of California Homeowners to Lose Their Insurance March 1, 2024
    Thousands of California homeowners will be out of luck as American National Group stops offering the state coverage.  American National Group, which was purchased by Brookfield Asset Management Reinsurance Partners for $5.1 billion around two years ago, is yet another insurance agency to leave the state as home repair prices surge amid wildfires and heightened HOA costs.     Read the article…………………………….
  • New roof or roof coating? Insurance companies enact new restrictions on roof coverings (FL) February 28, 2024
    It’s an option many homeowners make, opting to make improvements to their roof without a full roof replacement. But one condo association said their route of getting a silicone coating instead of a new roof has them at risk of being dropped.  Barbara Schmal is the treasure of the Water’s Edge Condo Association in Largo. She emailed ABC Action News after she was notified Citizens Insurance no longer accepts silicone coating as a replacement for a roof, now putting all ...
  • Oregon homeowners face rising premiums or limited property insurance options due to wildfire risk February 27, 2024
    Nancy Matela co-owns a vacation home in a wildfire zone northwest of Bend that has a new, annual property insurance premium of $9,000. It’s more than nine times what the company Safeco charged her a year ago.   That policy remains her only option as well: Her broker couldn’t find her another one.    Read the article…………………………….
  • HOA insurance premiums skyrocket across Colorado, driving up condo dues February 23, 2024
    To say Rosalie Hayes was stunned when she opened the letter describing a dues increase at her Arvada condo complex this year would be an understatement.  “When I opened this letter, it was just like you could have knocked me over with a feather,” she said. “It was a shock.”  Read the article…………………………….
  • Castle Key (Allstate) Defends 53.5% Condo Rate Hike, Blames Reinsurance, Ian, Rapid Growth (FL) February 22, 2024
    When Allstate’s Florida unit, Castle Key Indemnity Co., entered the surging condominium insurance market in 2020, it looked like it had made a smart bet: Within two years, the carrier had added no fewer than 123,000 policies.  Then came reinsurance price increases and $56 million in hurricane losses.    Read the article…………………………….

Insurance for Owners Archives


General Articles about Condominium and Homeowner Associations

  • Understanding Your Condo Association’s Declaration: A Guide for Homeowners February 14, 2024
    Living in a condominium community comes with numerous benefits, including shared amenities, maintenance services, and a sense of community. However, it also entails certain responsibilities and obligations outlined in the condo association’s declaration. This document serves as the foundation for governance within the community, establishing rules, regulations, and guidelines that all residents must adhere to. In this article, we’ll break down the key components of a condo association’s declaration to help homeowners better understand their rights and responsibilities.      Read ...
  • Civility in Community Associations: Does it Even Exist Anymore? February 8, 2024
    It seems the growing trend is that tempers flare so much faster than in days gone by. One of the more difficult situations to deal with is when a cantankerous member of the association goes out of their way to make life miserable for their neighbors and/or their board.  Read the article…………………………….
  • What Is a Condo? Everything You Need to Know December 19, 2023
    Tired of living in an apartment? Need to downsize? Then a condominium, or a condo, may be the home solution for you. But what is a condo?   Read the article……………………………
  • Condominium Owners Should Recognize Their Rights and Understand their Responsibilities (MA) December 18, 2023
    “I know my rights!” This is a statement association boards hear frequently from owners, usually in response to a board decision, covenant or rule requiring something owners don’t like or prohibiting something they want to do. As it turns out, many owners don’t really know their rights.    Read the article………………………………….

General Articles for Owners Archives


Additional Articles


An Introduction to Community Association Living (CAI)


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