Property damage in the wake of high-profile wildfires, storms and floods exacerbated by climate change have permanently disrupted insurance carriers’ existing risk model assessments. Many homeowners associations in America are facing an insurance crisis, with carriers raising premiums to exhorbitant levels, cancelling coverage or pulling out of states altogether.1 Those finding themselves unable to afford sufficient coverage may risk violation of governing documents and statutes, disqualification from Fannie Mae and Freddie Mac loans, falling property values — and disaster.     Read the article…………………………….