From record-breaking wildfires to rapidly intensifying hurricanes, extreme weather is placing community associations under growing strain. For homeowners association (HOA) and condo boards managing shared property, infrastructure, and resident safety, even a single event can trigger major damage and difficult decisions that carry financial and legal implications. Insurance agents play a vital role in strengthening that process. By helping clients secure the right insurance for community associations, agents support long-term resilience in an increasingly unpredictable climate.
Why Community Associations Are Vulnerable
Community associations face distinct challenges that can amplify the effects of natural disasters. Shared roofs, aging infrastructure, and complex ownership responsibilities mean a single point of damage may affect dozens — or even hundreds — of residents. Many associations are also led by volunteer boards that must act quickly under pressure, often without deep emergency management experience.
These conditions can slow recovery and increase the likelihood of disputes. That’s why agents should look beyond basic policies and help clients prepare for what climate volatility really means on the ground.
Key Coverages That Offer Protection
Property insurance is critical, but it’s only one piece of a comprehensive disaster response strategy. The most effective insurance for community associations also helps protect against legal and financial fallout stemming from complex post-disaster decisions.
Kevin Davis Insurance Services (KDIS) offers a suite of specialty coverages designed specifically for the HOA and condo market.
- Excess liability insurance: Adds an extra layer of protection when claims or lawsuits exceed the limits of primary liability policies, like general liability or directors and officers insurance
- Directors and officers (D&O) liability insurance: Helps defend board members when decisions related to vendor contracts, emergency repairs, or post-disaster communication lead to allegations of mismanagement or breach of duty
These coverages are developed with insight from decades of claims experience, giving agents confidence that the policies they recommend can withstand real-world scenarios.
Insurance Agents as Risk Advisors
Helping clients prepare for extreme weather means more than reviewing existing policies, especially given the increasing number of billion-dollar disasters across the country. As an agent, you can help clients understand their regional exposures, evaluate current policies, and close potential gaps.
You should encourage your HOA and condo clients to:
- Revisit bylaws to confirm emergency authority and board decision-making processes
- Consider higher policy limits or broader coverage forms in high-risk areas
- Address potential post-disaster exposures like theft or data breaches by exploring crime and cyber risk coverage from KDIS
The more proactive the conversation, the stronger the outcome when disaster hits.
Build Resilience With the Right Coverage
Resilience extends beyond physical safeguards. Boards can invest in sandbags and backup generators, but without adequate insurance, recovery can stall due to underinsured property, legal disputes, or uninsured liabilities.
That’s why more than 40,000 community associations trust Kevin Davis Insurance Services. From D&O and excess liability to crime and cyber risk, we offer comprehensive insurance for community associations tailored to today’s increasingly volatile climate conditions.
Call us today to learn how we can help your HOA and condo clients strengthen their insurance programs and build climate resilience that holds up when it matters most.
About Kevin Davis Insurance Services
For over 35 years, Kevin Davis Insurance Services has built an impressive reputation as a strong wholesale broker offering insurance products for the community association industry. Our president Kevin Davis and his team take pride in offering committed services to the community association market and providing them with unparalleled access to high-quality coverage, competitive premiums, superior markets, and detailed customer service. To learn more about the coverage we offer, contact us toll-free at (855)-790-7393 to speak with one of our representatives.