As we discussed in a previous article, drones are becoming more and more common. From commercial to recreational use, these unmanned machines are making headway. While these are still relatively new, it’s important for your HOA to stay ahead of the curve and identify the potential risks with drones before it becomes an issue. In addition, don’t forget to protect your operation with a LA HOA Insurance program.
Using drones in common areas poses some safety and privacy risks for homeowners. If someone were to lose control of the drone, it could fall onto someone or something below, causing damage and injury. However, associations do not have to absorb the risk if the proper risks are identified and written out for the HOA. In addition to common area usage, here are some other risks to consider.
It’s important for HOAs to state how far up into the air the home lot covers, and at what height would operating a drone, even in common areas, encroach on someone’s territory and privacy. Trespassing with drones is a novel concern, but one that should be addressed before it’s too late.
Even if your governing documents have broad provisions that may apply—like prohibiting nuisances—you’ll very likely have to draft drone-specific rules. Since the technology isn’t yet invading associations, doing that can be tricky, explains HOA Leader.
It’s becoming common practice for real estate agents to put drones to work for them. Drones can get aerial views of properties, zoom in on hard to see locations, scope out nearby streets, and perform more functions that are beneficial to selling a home.
However, as these practices develop, your board can examine the existing governing documents and determine where these new regulations fit in.
In the interim, boards can require authorization for recreational drone usage on their properties. Whether your residents or your association chooses to use drones, ensure that a policy is created and signed by both parties to prevent assuming risk for these exposures.
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.