Risk Management
HOA rules and regulations: hidden restrictions that can kill a deal
Rules and regulations are the fastest-moving part of any HOA's governing structure, and they are often the least reviewed by closing teams.
Risk Management
Risk Management articles
Articles about HOA risk management and due diligence.
Insurance
The title company's liability for missing HOA documents
Missing HOA documents can expose title companies to E&O claims, post-closing liability, and damaged client relationships. Understanding your exposure is the first step to reduci...
Risk Management
Understanding HOA governing documents: what title teams must review before closing
Every property in a homeowners association is governed by a stack of legal documents that define what the owner can do, what the association can charge, and how disputes are res...
Risk Management
How HOA articles of incorporation affect property transfers and title insurance
The articles of incorporation are often the most overlooked document in an HOA file, yet they are the foundation of the association's legal authority to bind the property.
Risk Management
HOA bylaws vs. CC&Rs: what closing teams need to know
CC&Rs and bylaws are the two most important documents in any HOA file, but they serve fundamentally different purposes and create different risks at closing.
Risk Management
Recent HOA amendments and rule changes: why they matter for your closing
HOAs do not stand still. Every year, associations across the country amend their CC&Rs, update their rules, and adopt new restrictions that change what owners can and cannot do.