Homeowner Association and Condo boards have a fiduciary duty to act in the best interest of the community as a whole, follow the law, and protect the assets and financial stability of the community. Proper insurance plays a major role in fulfilling that duty. But many board members are unsure if they have the right coverage — even worse some think they're covered when they really aren’t. Read More...
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Most insurance companies have a Loss Control Team that inspects communities periodically to assess potential threats. After the inspection they send a report to the board or manager with requirements and recommendations. One of the most common, and difficult items that come up in these inspections, are the BBQ grills on the decks or too close to the buildings. Not only does our Loss Control team see this as a significant fire danger, but local fire codes and quite possibly your own CC&Rs forbid Grills on decks. A FEMA report from 2010 estimated that on average there are 10 deaths, 100 injuries, and $37 million in property loss each year as a result of grill fires. Read More...
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