Frozen Pipes and Finger Pointing

By: Melissa Garcia, Esq. A wise person once said: “Never make snow angels in a dog park”. That is good advice. Another piece of good advice is to be prepared, this winter season, for frozen pipes and finger-pointing. When the temperatures plummet, condominiums and townhomes often experience frozen pipes and resulting water leaks.  When thatGo to Resource

How Certain is a Certificate of Insurance?

By: William H. Short, Esq. Many associations require their contractors to present certificates of insurance as evidence that the hired company has insurance. The certificate often used, called an ACORD certificate and contains information including, but not limited to the following: basic policy details, such as policy numbers, descriptions, limits, deductible amounts, and identity ofGo to Resource

Insurance—Does Your Community Have Gaps in Coverage?

By: Elina B. Gilbert, Esq. In all the years I’ve been practicing law, and particularly HOA law, there is one thing I learned for certain: Most people hate insurance.  Why?  Because insurance documents are difficult to understand and confuse many who attempt interpretation of them.  Thank goodness boards and managers have insurance professionals to relyGo to Resource