A huge benefit of living in an HOA community is having maintenance and repairs covered when you need them. However, no HOA is flawless and without its issues. As maintenance is one of the biggest factors in the aesthetics and functionality of an association, these concerns are not taken lightly. In this series of posts, we will examine the most common maintenance issues within HOAs and how to resolve them. Your first line of defense should anything go awry is the right LA HOA Insurance, so inquire about your coverage today.
There are often strict rules and regulations regarding the type of signs that can be hung in the association to prevent the look of a cluttered yard. For example, fence decorations and yard signage are likely prohibited. However, these signs are permitted within reason such as for sale and rent signs and advertisements of current construction work. In addition, there are often discrepancies about when signage should be allowed, such as during holidays and elections. Be up front with your homeowners to prevent unnecessary confrontations and include written rules that they have to abide by to ensure consistency.
Septic tanks and plumbing.
If your association is on septic tanks, you might not know that it is only responsible for any issues that arise after the septic system leaves the house, for example replacing a line or pumping the tank. Check the CC&Rs to see who is responsible for what. But if a homeowner clogs their toilet, that’s their issue to fix, states Hignell, a property management firm.
Like many other small issues, these are often neighbor disputes rather than association issues. For example, if a neighbor has an overgrown tree that has encroached on another’s yard and they complain to the HOA, the HOA can politely refuse to resolve it. However, if the tree was on common ground and was causing a trip hazard, for example, the HOA would get involved. Understand your HOA’s CC&R’s to determine whether you are responsible for resolving the issue or if it needs to be resolved by the affected parties.
About Scott Litman Insurance Agency
At Scott Litman Insurance Agency, we are dedicated to protecting HOAs like yours. We have a unique understanding of the industry and the common risk exposures that you face in your daily operations. In fact, we find that 90% of the policies we review are missing coverages that violate the Covenants, Conditions, and Restrictions (CC&R), exposing the board, HOA and management to lawsuits – which is why our comprehensive policies are tailored to meet your specific needs at competitive prices. For more information about our products, contact our experts today at (818) 879-5980 ext. 201, or fill out our online form.