Insurance, Claims & Disaster Response for HOAs

A blunt, practical handbook for HOA boards trying to survive the insurance crisis without losing their minds, their roofs, or their reserves.

Insurance is the one topic guaranteed to turn a confident HOA board into a panic spiral.
Premiums rise. Deductibles balloon. Carriers pull out of entire states. And the moment water drips from a ceiling, everyone wants answers immediately.

This book exists for that moment.

HOA Insurance Survival Guide is a practical, plain-language roadmap for HOA boards, community managers, and owners who need to understand what their insurance actually covers and how claims really work. Written by a veteran community association manager with over 20 years of real-world experience, this guide cuts through policy jargon and explains insurance the way it is lived, not the way carriers advertise it.

Inside, you’ll learn:

• How HOA and condo insurance policies are structured and where coverage actually begins and ends

• What happens step-by-step when a claim is filed, investigated, approved, or denied

• How deductibles, subrogation, and responsibility are typically applied

• What boards, managers, and owners each control during a loss

• How to avoid common mistakes that delay payouts or trigger disputes

• What documentation matters most when everything goes sideways

This is not a legal textbook. It is not written for insurance professionals. It is written for the people who have to make decisions during emergencies, answer angry emails, manage expectations, and protect the association’s finances while chaos is unfolding.

Whether you are:

• A board member trying to understand your fiduciary responsibility

• A manager navigating claims and renewals

• An owner seeking clarity instead of conflict

• Or a new board inheriting aging infrastructure and rising insurance costs

This guide gives you the knowledge to respond calmly, ask better questions, and avoid preventable disasters.

Insurance will never be simple. But being unprepared is optional.