Discovering that your Homeowners Association (HOA) is facing a significant deficit or is “broke” can be an overwhelming realization for any board. However, it is important to remember that while an association did not fall into a financial predicament overnight, it can recover through disciplined, strategic financial management and a commitment to long-term stability over

In the world of community management, HOA insurance is often treated like a “set it and forget it” line item. You receive the renewal notice, groan at the premium increase, and sign the check. But in 2026, with construction costs fluctuating and the insurance market becoming increasingly volatile, that hands-off approach is a significant liability.