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.

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.

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

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

SLPM HOA Management