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
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
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