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
