HOA storm Prep

HOAs and Storm Prep

In many parts of the country, the temperatures have already settled into the 30s and 40s, and residents of those areas know that snow, ice, and wind are right around the corner. Even during mild winters, storms can wreak havoc on a property that isn’t prepared.

Fortunately, there are simple things an HOA can do to make sure that their property is buttoned-up and ready for the long, cold months ahead.

Take some pictures. This is one of those steps that seems really obvious after the fact. If a gutter freezes because of an ice dam and comes crashing down into the parking lot, management will often think, “I wish I’d taken a ‘before’ picture so I could compare it with this ‘after’ picture.”

That’s why it’s such a good idea to document as much of the property as possible with time- and date-stamped pictures. When the time comes to present evidence to an insurance company, it will make things so much easier.

Have a look at the roof. If there’s anything that’s going to cause myriad headaches during a bad winter, it’s the roof. Leaks, blown shingles, and collapse are just the tip of the iceberg, so it’s best to have a professional come and inspect things while the weather is still mild. And if there are clear and obvious problems, don’t hesitate – get them before they get you.

Look over insurance docs. Make sure all premiums are paid and up to date, and that they provide sufficient coverage for whatever may come along. The worst time to discover inadequate coverage is after the fact.

Winter is coming, and even though it doesn’t last nearly as long as it seems to, there’s plenty of damage that can be done. Make sure you and your property are ready, and riding out the storms will be a little less arduous.

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