At Community Risk Advisors, LLC (CRA), we are not generalists—we are insurance specialists for condos, HOAs, and multi-family communities. Our […]

Insurance is often one of the least understood parts of a community’s risk management strategy.  Board members and unit owners […]

Severe weather commonly raises questions for community associations, especially when trees come down. Who removes the tree? Who pays for […]

What Boards Need to Know Over the past several years, community associations across the country have faced a perfect storm […]

For condominium and community associations, property insurance is one of the largest—and most complex—budget items. Among the most misunderstood components […]

Managing association finances securely is a core responsibility of boards and property managers. One area receiving increased attention is how […]

As a property manager for condominium and homeowners associations, you are often asked to provide a currently valued loss run […]

In past renewal cycles, many condominium and homeowner associations saw relatively straightforward insurance renewals with incumbent carriers: updated applications, routine […]

When a condominium or homeowners association purchases property insurance, one of the most important—and often overlooked—decisions is the policy form. […]

Insurance premiums don’t increase randomly, and non-renewals rarely come “out of nowhere.” In today’s insurance market, carriers are scrutinizing risk […]

Few challenges create more confusion — and more conflict — than insurance responsibility after a loss. When multiple units are […]

Data breach and cyber attacks are more prevalent than ever, and no business, large or small, is immune from cyber […]

When you purchase an insurance policy, one important detail that often gets overlooked is how the policy is billed.  Some […]

Introduction Insurance premiums can sometimes represent a significant financial investment, especially for communities with large or specialized insurance programs. While […]

If your HOA or condominium association has no employees, you may assume there is no reason to purchase workers’ compensation […]

Serving on the board of a condominium association, homeowners association, or other community association means making decisions. Some are routine. […]

Serving on the board of a homeowners association, condominium association, or other community association comes with more than the authority […]

Explained Understanding Hurricane or Named Storm Deductibles.   Most community associations carry property insurance that provides protection against hurricane-related damage. What […]

What Community Associations Need to Know Is water damage the same as flood damage? When it comes to insurance, the […]

A Guide for Community Associations Every community association faces risk.  A severe storm can damage buildings.  A resident or visitor […]

Community associations – condominiums, cooperatives, and homeowners’ associations – exist to safeguard property values, manage shared assets, and create safe, […]