California is used to wildfires. But the Golden State’s record-breaking 2020 wildfire season was particularly brutal. A blistering heatwave fueled dozens of simultaneous fires – conditions that spurred Gov. Gavin Newsom to declare a statewide state of emergency. Tens of thousands of people were evacuated from their residences. But that was not – and is not – the only threat California residents face. The heavy rains earlier this year caused a collapse of a portion of Highway 1 near Big Sur due to a “debris flow” of trees, boulders, water, and mud, meaving behind a 150-foot-wide gap. Thousands of Monterey County residents were impacted by evacuation orders. The COVID-19 pandemic has also caused many residents to question whether the common facilities they share with others are safe and to consider how to respond to an outbreak in their community.

The Five Key Coverages to Protect Condo Homeowners

There are wonderful benefits to living in a Condominium Association. A few are not having to mow the lawn and rake the leaves and not having the big expense of replacing a roof. Another nice benefit is having neighbors nearby for a safe sense of community. One topic that can be challenging for condo owners, however, is knowing what and what kind of insurance to get to be protected if an urban or Wildfire occurred. This article describes the five key coverages every Condominium owner needs to be insured wisely.

Effective Emergency Planning for HOA Communities

Nothing is more essential to managing risk than a plan for property emergencies. Time is of the essence. Water soaks in, wicks up walls, flows into electrical outlets and the cleanup grows more expensive. A clean water spill (water from a sink, bathtub or shower) can be dried easily, but if not handled correctly 24-36 hours later mold can begin to grow on porous materials.