When a loss hits your property—whether it’s hail, fire, water, or a catastrophic failure—property managers are suddenly thrust into the center of a complex, high-stakes insurance process. Your board wants answers. Your residents want reassurance. Your ownership group wants financial protection. And meanwhile, you’re stuck navigating policy language, carrier requests, and reconstruction decisions while keeping Read more…
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As public insurance adjusters who work directly with HOAs and multi-family communities, one of the most common questions we’re asked is: “What’s the difference between Bare Walls and All-In Insurance coverage—and what does it really mean for our association?” It’s a great question—and one that can make or break your community’s recovery after a major Read more…
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As of August 1, 2024, a new statute—Minn. Stat. § 65A.3025—will provide Minnesota homeowners with greater clarity regarding HOA loss assessment coverage under condominium and townhouse insurance policies. This legislation, championed by Big I MN alongside the Department of Commerce and the Insurance Federation of Minnesota, standardizes how loss assessment claims are handled across different Read more…
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