Articles for HOA Boards

The following articles were written by Michael Chulak from January 2020 to the current date to supplement our frequently asked questions section of this website and to assist HOA boards govern their associations in accordance with California law:


For All New Board Members

Reasons Why Board Members Must Read Historical Minutes and Financial Reports

How Are Management Fees Determined?

How to Interview an HOA Management Company

Management Company Traps - Caution

Developer to Homeowner Transition Services

Saving Dollars for Homeowner Associations

Six Ways to Avoid Special Assessments

Certified Vendor Programs - Caution

Management Company Owned or Affiliated Maintenance Services

Refinance Your Condominium - Get the Best Rate and Terms

Exclusive Use Common Area Maintenance Responsibilities

Budgets for Homeowner Associations

No Current HOA Budget - What can Happen?

Reserve Studies Required – Reserve Funds

Minimum Reserve Contributions

No Reserve Account - What Happens?

Borrowing from Reserves

Is Your HOA Protected from Fraud and Embezzlement?

Neighborhood Safety Evaluations

Dummy Cameras - Fake Cameras

Why Homeowner Associations Get into Trouble

Unincorporated Associations

Reasons to Incorporate Your HOA

Suspended Associations

Reasons Why Management Companies Terminate Management Agreements

Waiving of Late Fees by Board Members

Late Charges - Homeowner Associations

Why You Should Run For Election to the Board of Directors of Your HOA

How to Get Elected to the Board of Directors of Your HOA

Filling Vacant Board Positions

Secret Ballot Elections

Candidate Forums–Board of Elections

Peaceful Assembly

Town Hall Meetings

Cumulative Voting

Pledge by Nominee for Election to Board of Directors

Increasing Attendance at HOA Annual Meetings

What Happens if Nobody Runs for the Board

Who Can Attend Board Meetings–Open Meeting Act

Board Meeting Definition

Minutes of Board Meetings

Adjournment of Meetings

Membership Meetings Required

Most Common Reasons Board Members are Recalled

Breach of Fiduciary Duty by Directors of Homeowner Associations

Agenda Required for Meetings

Executive Session Meetings

Who Can Attend Board Meetings

Recording Board and Homeowner Meetings

Minutes of Board Meetings

Minutes of Board Meeting Checklist

Minutes of Executive Sessions

Recusal of Board Members

Emergency Board Meetings

Assessment Limitations – 20%

Special Assessment Limitations

Delinquent Assessments – Board Members

Board Members and Close Relatives Performing Work for HOA

Independent Insurance Brokers vs. Captive Agents

Insurance Coverage Options

Forms of Homeowner Insurance Policies

HOAs-Say Goodbye to Independent Contractors

Directors & Officers (D&O) Insurance

Delegation of Duties by Board

Workers' Compensation Insurance Required by Homeowner Associations

Loss Assessment Coverage for Condominium Owners

Renters Insurance – Why it is Necessary

Voting for Earthquake Insurance

Checklist for Buying a Condominium

Disclosures to Prospective Purchasers by Owners

Reasons Lenders Reject Loan Applications from Condominium Owners and Buyers

Freddie Mac - Conventional Mortgage Loans

Fannie Mae Insurance Guidelines

FHA Streamline Refinance

VA Streamline Refinance

FHA Certification of Condominium Associations

Owner Claims Against HOA – Water Intrusion

Service and Comfort Animals

Animals - Service, Therapy and Emotional Support

Dogs and HOA Insurance

Satellite Dish Antenna Rules

Religious Items on Doors and Door Frames

Homeowner Association Security

Privately Owned Security Cameras

Comparison of Management Services Offered

Large Associations with On-site Management

Summary of Reserve Study Laws

FAQ About Reserve Studies

Timeline for HOA Budgets and Reserve Studies

Do Sewer Lines, Drain Lines, Gas Lines, and Plumbing Pipes Belong in a Reserve Study Calculation?

Consequences of Failing to Obtain Reserve Studies

Are Reserve Studies Required by FHA?

The 8 Most Common Legal Claims Against HOAs

Barbecues – Fire Safety

Angle Stop Valves - Replacements

Balcony Railings

Balcony Tile

Before You Decide on Self-Management - Read This

HOA Self Management - Does it Make Sense?

How Much Does Self-Management Save?

How Coast Management of California Processes Invoices

Why Hire a Construction Manager

Failure to Maintain Roofs-What Could Happen?

Should Distance Be a Factor in Hiring a Management Company?

Homeowner Association Insurance - What you need to know

Selecting An Agent for Service of Process for Your Business

Election of Officers by Board of Directors

Duties of HOA President or CEO

Duties of Vice President of HOA Board

Duties of an HOA Treasurer - Chief Financial Officer

Duties of an HOA Secretary - Corporate Secretary

Duties of Member at Large - Director at Large

Delegation of Duties by Boards

Limitations on Board Members

Disciplinary Hearings - Due Process


Duty to Investigate - Due Diligence

Duty to Review Association Finances

Earthquake Insurance for Homeowner Associations

Flood Risks and Insurance

Post Earthquake Responses to Severe Earthquakes for Homeowner Associations

Conflicts of Interest

Realtors as Board Members of Homeowner Associations

Community Association or Homeowner Association?

HOA Abbreviations and Acronyms

Real Estate Signs

Political Signs

Rental Restrictions Effective January 1, 2021

Occupancy Restrictions

Escrow Services Provided by Management Companies

Escrow Holder - Functions

Accessory Dwelling Units – Granny Flats

Adopting and Amending Operating Rules

Election Rules Required

Reasons to Amend or Restate Your Association's CC&Rs

Community Association or Homeowner Association? What is the Difference?

Electric Vehicle Charging Stations

Granting Exclusive Use Easements to Members

Audits, Reviews, and Compilations

Neighborhood Watch Programs for Your HOA

Noise Between Neighbors

Senior Communities (55+)

Family Day Care Centers

Why CC&R's Must Be Updated

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