INTRODUCTION – THE ASSUMPTION THAT HID THE REAL PROBLEM For years, one quiet assumption has shaped the culture of homeowners associations across America. Homeowners are apathetic. They do not come to meetings. They do not vote. They do not read the documents. They do not participate until they are angry, and by then it is… Continue reading WHY HOMEOWNERS DON’T ENGAGE AND WHY THAT’S ABOUT TO CHANGE
Phoenix condos now range from $350 to $1,000 per month. But the number does not tell you the risk. Two communities can both be $600 per month. One is stable. One is a financial time bomb. The market treats them the same. That is the flaw. THIS IS NOT A PRICING PROBLEM It is a… Continue reading HOA FEES ARE LYING TO YOU
A homeowner reports a simple maintenance issue. No response follows. Weeks later, it becomes an insurance claim. At first, the problem appears minor. It may involve a tree that needs trimming, a small leak, or a vendor-related follow-up. Nothing urgent, nothing catastrophic. However, as days turn into weeks, the situation deteriorates. The delay compounds the… Continue reading The Hidden Risk No One Underwrites: Why HOA Governance Failures Are Driving Insurance Losses And No One Is Measuring It
America has built one of the largest infrastructure systems in the country and most people don’t even realize it exists.More than 77 million Americans live in HOA-governed communities representing roughly $11 trillion in residential housing value.These communities maintain roads, stormwater systems, shared buildings, parks, and other infrastructure that municipalities historically funded.Yet there is no national… Continue reading The Proposed Big Beautiful HOA “Bill” Infrastructure Framework
Why Governance Transparency May Be the Next Frontier for America’s HOA Communities Over the past two decades, ratings and review systems reshaped how industries operate. Consumers evaluate products on retail platforms, travelers compare hotels through online reviews, employees assess workplace culture publicly, and luxury hospitality follows the Five-Star standards established by Forbes Travel Guide. Across… Continue reading The $140 Billion Blind Spot in Housing Affordability
Why Your HOA Needs a Financial Health Checkup and How Homeowners Can Lead It HOA dues are rising across the country. Insurance premiums are increasing, maintenance costs are climbing, and reserve funding requirements are tightening. At the same time, real estate values in many markets are softening. When monthly carrying costs rise while property values… Continue reading Governance Determines Stability
The Best Developers Don’t Just Build Communities. They Build Operating Systems That Last Decades. For decades, competitive advantage in homebuilding has centered on land acquisition, entitlement execution, vertical construction efficiency, and absorption velocity. The elite operators behind companies such as Meritage Homes and Hines understand something deeper: real estate is not just delivered. It is… Continue reading Governance Performance Is the Next Competitive Edge in American Homebuilding
Most HOA conflicts do not begin with misconduct. They begin with invisible performance. Across the country, homeowners feel friction. Boards feel pressure. Property managers feel stretched. Realtors ask for better HOA knowledge. Insurers price volatility. But beneath the noise lies a quieter truth: most communities are governing without structured insight. Before we talk about rising… Continue reading Community Improvement Is the Missing Layer in HOA Governance
Why do HOA fees keep rising even as technology reduces administrative cost? Across the country, homeowners are seeing higher assessments, automatic management fee escalators, rising insurance premiums, and unexpected special assessments. The answer is often not hidden in maintenance alone. It is embedded in the structure of the HOA property management contract. To reduce HOA… Continue reading The Anatomy of an HOA Property Management Contract
Why Participation, not Complaints, is the Missing HOA Risk Signal for Insurers and Property Management Companies How verified homeowner participation creates earlier, measurable signals for HOA governance, insurance underwriting, and operational performance. For years, silence has been mistaken for stability in Homeowners Associations (HOAs), Condominium Associations (COAs), and Community Development Districts (CDDs). No complaints. No… Continue reading Silence Feels Calm. Until It Isn’t.
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