Unless the governing documents say otherwise, nothing formally requires a homeowners association to formally draft a plan for a possible catastrophic event. That said, association boards and managers really should “expect the unexpected” when it comes to unexpected adverse events like fires, earthquakes, and flooding. Whether it’s the worst natural disaster since the BP oil spill (the recent gas leak in Porter Ranch), or something unfortunately more common in California like mudslides or wildfires, disasters strike indiscriminately at any time.   Read the entire article……………………………….