Director Personal Liability After a Bad Assessment or Insurance Decision

A courtroom scene with an empty judge’s bench, flags, and attorneys at tables preparing for a case involving director personal liability and a bad assessment.

Directors face personal liability claims when reserves were ignored or insurance lapsed. Corporations Code 7231 and Civil Code 5800 protect good-faith decisions with reasonable inquiry, but D&O coverage has limits and exclusions. Documented process matters.

Special Assessments for Insurance Do Not Automatically Qualify as “Emergency” Assessments

A worker in work pants and a cap loads a folded ladder into the bed of a dark pickup truck parked at an apartment complex managed by SLPM Association Management Services.

Insurance premium spikes do not automatically let California HOA boards skip a membership vote. Civil Code 5610’s emergency exceptions are narrow, and most insurance special assessments above the 5 percent aggregate still require owner approval under section 5605.

Your HOA’s Insurance Just Doubled. Here Is Exactly What the Board Can (and Cannot) Do About It

A man sits on a patio reading a Condominium Assessment Notice from SLPM Association Management Services while a dog lies at his feet.

California HOA boards facing doubled insurance premiums can levy special assessments only within Civil Code 5605 limits or a true emergency under 5610. Mislabeling the increase often triggers owner challenges and recall efforts.

When the Master Policy Deductible Jumps to 25% of Building Value, Who Actually Pays After a Claim?

A man and a woman sitting at an outdoor picnic table reviewing a Master Policy Summary for SLPM association management services.

Higher master-policy deductibles shift more risk to California associations and owners. Boards need a clear allocation method and advance notice so special assessments after a claim are expected rather than a surprise.

Self-Managed Associations Are Hitting the Wall First. The Signs Your Board Is Already Behind on Insurance, Reserves, and Inspections

A woman stands on a balcony overlooking the San Francisco Bay Area, holding a clipboard and pen for SLPM association management services.

Volunteer boards that kept dues flat for years now face rising insurance, overdue balcony inspections, and underfunded reserves. Those deferred costs often arrive as large special assessments that professional management could have spread out.

Your Management Company Vanishes After a Storm — Why 24/7 Accountability Actually Matters

A woman speaks to a worker in a reflective jacket near a boarded-up window on a wet city street after a storm. Nearby, another person uses their phone, while caution cones and a utility truck signal 24/7 accountability from the management company.

Learn why 24/7 accountability matters for East Bay HOAs, business parks, and mixed-use communities during storms, wildfire conditions, earthquakes, outages, and urgent property emergencies.

Insurance Just Doubled Again — Why Most Northern California HOAs Are Now Underinsured

Three people stand outside a house with roof damage from a fallen tree, discussing insurance options. One points to the roof while another observes and a third holds a clipboard. Orange cones and debris are nearby under a cloudy sky.

Learn why Northern California HOAs, East Bay communities, and mixed-use properties are facing skyrocketing insurance premiums, nonrenewals, high deductibles, coverage gaps, and underinsurance risks that could trigger major special assessments after one storm or wildfire.