A loss does not become uncovered simply because a homeowner was responsible for maintaining a component. This is because the insurance section maps out the extent of property coverage required. Whether a community’s policy is written as bare walls, walls-in, or all-in plays a crucial role in whether claims may be paid. Misalignment between the insurance policy and the CC&R insurance requirements often leads to disputes, delays, and dissatisfaction after a loss. Aligning those documents proactively helps avoid those problems altogether.


Why Carriers Ask for So Much Information


For underwriters, documentation is not a formality; it is the foundation of pricing, terms, and capacity. Current fi nancials help carriers evaluate deductibles, limits, and fi delity exposure. Reserve studies provide insight into asset age, replacement cost, and long-term risk. Loss runs reveal patterns that directly infl uence underwriting decisions. Community maps clarify what property is insured and where exposures exist.


When associations delay or provide incomplete information, carriers


either decline to quote or apply conservative


assumptions that often result in higher premiums and more restrictive terms. Providing accurate documentation up front leads to better outcomes.


Loss Control Surveys: Not Suggestions


Loss control recommendations are one area where carrier expectations are often misunderstood. These could be required corrective actions or optional enhance safety.


improvements to


Balcony railings, trip hazards, lighting defi ciencies, removal of landscaping deemed to be a fi re risk, and housekeeping issues are common examples. Failure to address these items can result in non-renewal, or in many cases, an increase in premium. Carriers view compliance with loss control recommendations as a key indicator of how an association manages risk.


Addressing these items promptly not only preserves coverage, but also strengthens the association’s underwriting profi le over time while helping to prevent claims from arising in the fi rst place. The key ingredient for success is communicating with the underwriter and the agent.


Final Thoughts Community associations


Homeowner Leader Roundtable with


Legislative Update


March 25, 2026


The Chapter partnered with the City of Laguna Niguel on March 25th to host an annual Homeowner Leader Roundtable with Legislative Update. The City is a strong supporter of HOAs in its community, providing education, community resources, and industry-related tips. Mayor Gene Johns and City Councilmember Stephanie Oddo were on hand to open the event, while CAI-OC Chapter members Dyanne L. Peters, Esq., Tinnelly Law Group and Karen Thompson, CMCA, AMS, PCAM, Keystone, AAMC presented information on fi ve signifi cant bills that became law and fi ve court decisions impacting HOA business operations and actions.


The attendees heard about SB 770 (Electric Vehicle Charging Stations), SB 410 (Exterior Elevated Elements – Disclosures to Prospective Purchasers), SB 625 (Housing Developments: Disasters; Reconstruction), AB 1154 (Junior Accessory Dwelling Units), the very unpopular AB 130 (Enforcement – Fine Limit), as well as several 2025 case law rulings affecting board and association requirements and responsibilities with members. Past President and California Legislative Action Committee (CLAC) Vice-Chair Bob Spillar was on hand to provide numerous attendees a sneak peek at some of the 2026 hot bills being worked on by CLAC. The attendees eagerly asked questions and engaged in conversations long after the event ended.


If you would like more information about the CLAC 2026 Legislative Session Hot Bills or to be part of the solution through a Buck-A-Door donation, visit www.caiclac.com.


that approach insurance


strategically, rather than reactively, place themselves in a far stronger position both at renewal and when claims occur. Working with an experienced insurance professional leads to better long-term results.


Speakers (l to r): Karen Thompson, CMCA, AMS, PCAM (Keystone, AAMC) and Dyanne L. Peters, Esq. (Tinnelly Law Group)


www.caioc.org 29


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