Natural disasters – whether hurricanes, wildfires, floods, or winter storms – can strike with little warning, leaving behind costly damage and confusion. For homeowner associations (HOAs), the aftermath of such events is often complex. Common areas may be damaged, multiple homes could be affected, and residents may look to the board for guidance. Having a clear process for handling insurance claims can make a major difference in how quickly and effectively a community recovers.   Read the article…………………………….