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Vendor Insurance Requirements: What HOAs Must Ask Before Approving Work

Learn what insurance your HOA should require from every contractor, how to read a certificate of insurance, and why additional insured status matters. A practical guide for board members.
your board should require four things: A current certificate of insurance sh… boards should confirm the following: The named insured matches the contracti
https://neighborhood.online/blog/vendor-insurance-requirements-hoa

Understanding HOA Insurance: What Is Covered and What Is Not

What does your HOA's master policy actually cover? This plain-language guide explains common area coverage, what homeowners must insure themselves, fixtures, bare walls versus all-in coverage, and loss assessments.
ommon questions boards receive from residents: can the HOA require homeowners to carry thei…overs only the building's structural elements: the framing…In Coverage: A Practical Example Here is a scenario t
https://neighborhood.online/blog/understanding-hoa-insurance-whats-covered

Using Technology to Improve HOA Safety

Learn how HOA boards can use technology to reduce liability, document safety issues, communicate during emergencies, and manage risk more effectively across common areas.
HOA has three phases. The first is prevention: identifying hazards and addressing them befo…re they cause a loss. The second is response: acting quickly and correctly when an inciden
https://neighborhood.online/blog/technology-to-improve-hoa-safety

HOA Emergency Communication Plans: Templates and Best Practices

Learn how to build an HOA emergency communication plan that works under pressure. Covers role assignments, alert levels, message templates, and pre and post event checklists.
gets used when it matters. Free Download: Disaster Communication Plan Template A c… your plan should name: Primary Communicator…: The person who sends all official community
https://neighborhood.online/blog/emergency-communication-plans-for-hoas

Tree, Roof and Drainage Risks

Learn how to identify tree, roof, and drainage risks in your HOA community before they become insurance claims. A practical inspection guide for HOA board members.
d Drainage Cause the Most Claims Tree Risks: What to Look For Roof Risks…: What to Look For Drainage Risks…: What to Look For Who Is Responsible When S
https://neighborhood.online/blog/tree-roof-drainage-risks-hoa

How to Document Safety Issues Properly

The difference between an HOA that handles a liability claim well and one that struggles often comes down to records. Here is what to document, how to do it properly, and how to store it so it is useful when you need it.
HOA has three phases. The first is prevention: identifying hazards and addressing them befo…re they cause a loss. The second is response: acting quickly and correctly when an inciden
https://neighborhood.online/blog/how-to-document-safety-issues-hoa

Understanding Deductibles, Claims and Loss Assessments

This guide explains HOA insurance deductibles, how the claims process works in practice, and what loss assessments are and when boards can issue them. It also covers what homeowners should carry in their own policies to protect themselves from their share…
your board has two options: increase reserves or adjust your coverage to…ty or liability claim progresses. Step 1: Report the loss promptly. Most HOA insurance
https://neighborhood.online/blog/hoa-insurance-deductibles-claims-loss-assessments

HOA Cybersecurity Insurance

33% of HOAs carry no cybersecurity insurance. Your general liability policy does not cover a data breach or ransomware attack. Here is what boards need to know and do before something goes wrong.
HOAs typically covers two categories of loss: first…he HOA incurs as a result of a cyber incident: Data breach response…: The cost of investigating the breach
https://neighborhood.online/blog/hoa-cybersecurity-insurance

Are HOA Dues Tax Deductible?

HOA dues are generally not tax deductible for primary residences, but rental properties, home offices, and vacation homes are different. Here is what actually qualifies.
the logic is the same: the deduction is available when the property…A Quick Summary Primary residence: HOA dues are not tax deductible. Rental pr
https://neighborhood.online/blog/are-hoa-dues-tax-deductible

Can HOA Dues Go Up Without a Homeowner Vote?

Learn whether HOA dues can go up without a homeowner vote, what limits governing documents and state law typically set, and what homeowners can do when a dues increase arrives.
member vote. The reasoning is practical: if every dues adjustment required a communit… without member approval. Common caps include: A fixed percentage per year
https://neighborhood.online/blog/can-hoa-dues-go-up-without-a-homeowner-vote