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Yes, really, there’s finally good news about HOA insurance! Robert and Kevin unpack it in this week’s episode.
 ✅ Is a Reserve Study right for you? 👉 https://www.reservestudy.com/

You read that right, there’s finally some good news about HOA insurance! In this episode, Robert and guest Kevin from share recent developments that might positively impact your HOA’s coverage options. They break down what’s shifting in the insurance market, how boards can take advantage, and what this means for your next renewal.  It’s not all doom and gloom (Really)!

Chapters:

00:00 What’s Happening With Insurance Claims Right Now?

02:10 Why Kevin Thinks There’s “Good News” in Insurance

04:00 How Quiet Disaster Seasons Affect Premiums

05:35 Are Lower Losses Creating Insurance Stability?

07:10 Why You Should Still Expect Premium Increases

08:30 What Role Does Risk Management Play?

10:20 What Reinsurers Are Really Worried About

12:10 Why HOA Loss History Impacts Rates So Much

14:00 What Boards Need to Understand About Deductibles

16:00 What Does “Capacity” Mean in the Insurance World?

18:00 Will Insurance Rates Ever Go Down Again?

20:15 Why Preventive Maintenance Is a Powerful Tool

22:30 Can One HOA’s Loss Affect Everyone’s Premiums?

24:10 How to Have a Realistic View of Insurance Expectations

26:00 How Much Control Do HOA Boards Really Have?

28:00 What Homeowners Often Get Wrong About Coverage

30:15 Final Thoughts: Staying Proactive and Prepared

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Are your HOA board financials helping or hurting your community? Learn how to read the numbers that truly matter with expert tips!
 ✅ Is a Reserve Study right for you? 👉 https://www.reservestudy.com/

HOA board financials aren’t just spreadsheets you go over once a year, they’re your roadmap to transparency and trust. Russell Munz of Community Financials joins us and explains what every board member needs to know: how to read your reports, spot red flags, and communicate assessment increases with confidence. From delinquency reports to bank reconciliations, find out how accurate financials build homeowner trust and keep your board on track! 

Chapters:

00:00 Why do HOA board members need to understand financials?

02:02 What role does financial transparency play in community trust?

04:10 What should you look for in a balance sheet?

06:15 How can income and expense reports reveal red flags?

08:34 What does the delinquency report tell you about cash flow?

10:40 What happens when HOAs don’t receive timely financials?

13:00 Why should boards use accrual accounting over cash?

14:51 How often should boards review financials?

16:26 What makes a solid collection policy legally sound?

19:05 How do automated systems improve financial clarity?

23:25 What should homeowners ask when reviewing financials?

26:10 How can boards better explain budget increases?

29:00 Why do some homeowners feel left in the dark?

31:42 How do reserve studies connect to financial wellness?

34:18 What’s the board’s responsibility when money is mismanaged?

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Find out how to manage stress, avoid burnout, and keep your HOA board experience rewarding and sustainable!
 ✅ Is a Reserve Study right for you? 👉 https://www.reservestudy.com/

Serving on an HOA board is rewarding, but let’s face it, it can be EXTREMELY stressful. In this episode Robert and Julie examine how you can manage stress, avoid burnout, and stay engaged as a board member.  Learn to distinguish urgent from important tasks, how to prioritize effectively, and the value of delegation. Plus, see why strong communication strategies and personal time are key to long-term success! 

Chapters from Today's Episode:

00:00 Why is serving on an HOA board so stressful?

01:22 How does “always being on” drain board members emotionally?

03:15 What’s the difference between urgent and important tasks?

05:40 How can new board members manage overwhelming to-do lists?

08:20 What role does triage play in reducing board stress?

10:41 How can community managers help board members prioritize?

13:09 Why is delegation essential for preventing burnout?

15:30 How do board members manage community expectations?

18:02 How can strong communication strategies defuse stress?

20:40 Why do so many board members leave before their term ends?

23:12 How do self-care and personal time keep board members effective?

25:36 What are some creative ways to manage stress on the board?

30:02 Why is having a “North Star” so important for board success?

32:15 Final thoughts on managing stress while serving your community

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What can years of experience on an HOA board teach you? Learn the long-term lessons behind great governance and thriving communities.
✅ Is a Reserve Study right for you? 👉 https://www.reservestudy.com/

This week on the show we have HOA Board Hero guest Jan Newcomb, a dedicated homeowner who’s served her HOA board for a number of years. From budget battles to community culture, she shares what it really takes to build long-term success.

Chapters From Today's Episode:

01:01 Who is Jan Newcomb and why is she a board hero?
03:20 How did Jan get started serving on her HOA board?
05:18 What has Jan learned from serving on and off for 39 years?
07:06 How do homeowner dynamics affect long-term board service?
09:11 What are the top challenges board members consistently face?
11:29 How can board members educate themselves on key topics?
13:40 Why is maintenance planning critical for community trust?
16:02 How do rental properties change HOA board priorities?
18:55 What’s the balance between emotional input and logical decisions?
20:40 Ad Break - Association Reserves
21:10 How do good boards prevent financial struggles and assessments?
23:27 What role does a sense of duty play in long-term service?
25:48 How can boards improve communication with their homeowners?
28:02 What motivates someone to return to the board again and again?
30:20 What advice does Jan have for future board heroes?

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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

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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?

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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

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Civility is declining and HOA communities are paying the price. Learn what’s behind it and how to restore trust and respect at your HOA!
✅ Is a Reserve Study right for you? 👉 https://www.reservestudy.com/

Why are today’s HOA boards facing so much hostility? Today Robert Nordlund and Ed Hoffman discuss the real reason for the decline of civility in community associations and the rising stress on volunteer board members and managers. From post-pandemic aggression to social media pile-ons, learn why directors are burning out, managers are quitting, and communities are struggling. Let's talk about real ways to de-escalate HOA conflict, improve communication, and bring back respect. Whether you’re on a board or managing one, let's lead with calm, clarity, and confidence.

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HOA Board hero Dave shares his wildfire plan to protect 95 homes in his association using attic vent upgrades and smart long-term planning.
✅ Is a Reserve Study right for you? 👉 https://www.reservestudy.com/

After a nearby fire, Dave Wojaczynski knew his HOA needed a better wildfire plan. This week he joins us to explain how attic vents became a key strategy for protecting 95 homes, how to keep board momentum going, and why long-term thinking is essential for HOA success.

Chapters From Today's Episode:

00:00 What Is the HOA's Current Roof Strategy During Fire Season?
00:53 Intro to Dave Wojaczynski  04:26 How Did Dave Become a Board Member at His HOA?
05:57 What Motivated Dave to Serve on the Board?
08:36 What Helped Dave Finally Get Elected to the Board?
09:15 Why Is Persistence Key for Board Members?
11:28 How Close Was the Coastal Fire to Dave's HOA?
13:44 What Is the Real Danger From Wind-Driven Wildfires?
14:19 Why Do Most Homes Burn From Attic Fires During Wildfires?15:46 Ad Break - Community Financials
17:41 Why Do Wildfire Plans Lose Momentum Over Time?
17:58 How Is the Re-Roofing Project Now Supporting Fire Prevention?
23:17 How Can Board Members Get Past Pushback?
24:27 Should Board Members Prioritize Rules or Repairs?
25:17 How Can Reserve Studies Guide Smart Planning?
26:07 What Are Dave’s 3 Ps for Board Success?
27:07 What Was the HOA’s Recent Project Success?
28:00 Why Is Delaying Projects So Costly During Inflation?

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Unequal HOA rule enforcement in your community can lead to lawsuits, resentment, and lost trust. Here's how to avoid it and bring fairness back to your board!
✅ Is a Reserve Study right for you? 👉 https://www.reservestudy.com/

Unequal HOA rule enforcement can quietly destroy even the best community associations. Robert and Kevin break down how inconsistent application of HOA rules can erode trust, spark legal issues, and damage property values. Learn why some rules get enforced and others ignored, how personal bias sneaks into board decisions, and why a written enforcement policy is essential for fairness.

Chapters from This Episode:
00:00 What are the three main duties of every HOA board?
00:36 What HOA problem does this episode solve?
03:27 What causes most HOA lawsuits around rule enforcement?
07:08 Why do signs spark conflict and costly legal battles?
10:09 How do you balance fairness and personal opinion?
12:00 What happens when boards bend rules for their own benefit?
14:50 Should different HOA rules be treated differently?
17:30 What happens when a rule applies to someone you dislike?
19:54 What does fairness really mean when it comes to HOA governance?
21:45 Why every HOA  board needs a written enforcement policy
23:15 How should you change outdated or unfair HOA rules?
26:53 Why personal bias can quietly destroy even good HOA board decisions
28:32 How do boards handle offensive or political signs fairly?
30:57 How can fairness and consistency save your HOA thousands?
32:26 What kind of board legacy do you want to leave?

Podcast Links:
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