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HOA Insurance is skyrocketing. Learn how tariffs, wildfires, and lawsuits are pushing your premiums higher than ever.
✅ Is a Reserve Study right for you? 👉 https://www.reservestudy.com/

Why is HOA insurance getting so expensive? Robert and Kevin break down the 3 biggest reasons: wildfires, tariffs, and jaw-dropping liability verdicts. With rebuilding costs spiking and global supply chain issues driven by tariffs, your HOA is likely to feel the squeeze. Kevin explains why rates are rising and how boards can respond. Our goal is to make sure YOU don’t get blindsided. understand what’s driving HOA insurance hikes and what you can do to prepare!

Chapters From This Episode:
00:00 What happened in the LA wildfire that shocked the insurance industry?
01:24 Why are HOA insurance rates becoming unsustainable?
03:39 What does "stability" in the insurance market actually mean right now?
05:08 How are tariffs and global supply chains driving up rebuilding costs?
07:36 Why are insurers panicking over 2025 first-quarter losses?
09:19 How are insurance premiums affected by unpredictable material prices?
11:24 What are “thermonuclear verdicts” and why do they scare insurers?
13:00 Why are HOA liability claims now potentially in the billions?
17:22 Are boards prepared to raise dues again for insurance costs?
22:50 What’s the 4-step process for navigating rising insurance costs?
27:32 Why does deferred maintenance open your association up to lawsuits?
31:08 How important is clear communication with homeowners right now?
33:04 Final takeaway: Why “maintain, maintain, maintain” is the new HOA mantra

The views & opinions expressed in this program are those of the Hosts & Guests, intended to provide general education about the community association industry. The content is not intended to provide specific advice or recommendations for any individual or organization. Please seek advice from licensed professionals.

Podcast Links:
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Call our 24/7 voicemail line at (805) 203-3130 or send an email or voice memo to podcast@reservestudy.com

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Julie Adamen
https://www.linkedin.com/in/julieadamen/

Kevin Davis, CIRMS
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Attorney Rob Webb gets down to the hard truths of HOA leadership. Are you ready to hear them?
✅ Is a Reserve Study right for you? 👉 https://www.reservestudy.com/

Are you ready to face the hard truths of HOA leadership? In this episode, Attorney Rob Webb and Robert break down the key challenges board members face, from familiarity blindness to zombie resorts. Learn how to navigate boardroom politics, build real trust, and lead your association with integrity. This is the unfiltered truth about what it takes to serve your community right!

Get in contact with Rob Webb: bakerlaw.com

Chapters From Today's Episode:

00:00 How Does Trust Impact HOA Leadership?
00:30 Why Familiarity Blindness Hurts Board Decision-Making
04:46 Why Do Short-Term Board Members Struggle?
07:08 How Do HOA Politics Affect Decision-Making?
08:44 What Can We Learn from Condo Deconversions?
11:20 How Should Boards Think About Different Perspectives?
14:10 What Are Zombie Resorts and Why Are They Dangerous?
15:46 Why Is "Trust But Verify" Critical in HOA Leadership
18:08 How Should HOAs Manage Service Providers and Vendors?
21:22 How Can Better Communication Lower Boardroom Tension?
22:51 Why Is It So Hard to Find Great HOA Board Members?
25:42 What Are the True Costs of Poor Leadership?
28:07 How Do Different Perspectives Create Stronger HOAs?
30:01 What Should HOAs Consider About Termination?
31:26 Where Can You Reach Out to Rob Webb for More Insights?

The views & opinions expressed in this program are those of the Hosts & Guests, intended to provide general education about the community association industry. The content is not intended to provide specific advice or recommendations for any individual or organization. Please seek advice from licensed professionals.

Podcast Links:
Full Episode List
Watch On Youtube

Engage in the conversation!

Call our 24/7 voicemail line at (805) 203-3130 or send an email or voice memo to podcast@reservestudy.com

Nominate yourself or a Board Hero you Know!
Board Hero Nominations

Shop!
HOA insights now has its very own merch store! Our team has whipped up some hats, mugs, T-Shirts, & more that we think Volunteer HOA Boardmembers are gonna love. We also offer dozens of FREE zoom backgrounds. Available in our Boardmember Merch Store!

Connect with Hosts on LinkedIn

Julie Adamen
https://www.linkedin.com/in/julieadamen/

Kevin Davis, CIRMS
https://www.linked...

Send us a text

Learn how HOA boards can navigate priorities, politics, and community differences with better communication and proactive decision-making.
✅ Is a Reserve Study right for you? 👉 https://www.reservestudy.com/

Navigating the complexities of HOA board management requires balancing priorities, understanding community differences, and communicating clearly. In this episode, Robert and Julie discuss how boards can overcome political divides, bridge cultural differences, and set priorities that reflect the needs of their communities. Julie explains why proactive communication, clear goals, and community events are key to reducing conflict and building trust!

Chapters:

00:00 How do community priorities shape HOA board decisions?

01:24 Why is enforcing rules for the sake of it a mistake?

03:10 Can cultural differences create tension in HOAs?

04:40 How do newcomers' expectations clash with established HOA norms?

06:22 Why is communicating board priorities so important?

08:14 What happens when boards fail to share their long-term goals?

09:47 How do property values depend on clear communication and priorities?

11:33 Why do homeowners sometimes feel left out of decision-making?

17:22 How can setting clear priorities reduce community conflicts?

19:08 What are the dangers of keeping assessments low without reserve planning?

21:30 Why is it risky for boards to ignore long-term maintenance?

23:00 Ad Break - Community Financials

25:01 What role does cultural diversity play in HOA expectations?

32:14 How can board members manage cultural clashes with grace?

35:11 Final thoughts on communication, community unity, and peaceful management

The views & opinions expressed in this program are those of the Hosts & Guests, intended to provide general education about the community association industry. The content is not intended to provide specific advice or recommendations for any individual or organization. Please seek advice from licensed professionals.

Podcast Links:
Full Episode List
Watch On Youtube

Engage in the conversation!

Call our 24/7 voicemail line at (805) 203-3130 or send an email or voice memo to podcast@reservestudy.com

Nominate yourself or a Board Hero you Know!
Board Hero Nominations

Shop!
HOA insights now has its very own merch store! Our team has whipped up some hats, mugs, T-Shirts, & more that we think Volunteer HOA Boardmembers are gonna love. We also offer dozens of FREE zoom backgrounds. Available in our Boardmember Merch Store!

Connect with Hosts on LinkedIn

Julie Adamen
https://www.linkedin.com/in/julieadamen/

Kevin Davis, CIRMS
https://www.linked...