In the Pacific Northwest, condominium associations face unique challenges that directly affect insurance risk. Our region's persistent rainfall, windstorms, seismic activity, and coastal environments accelerate the deterioration of roofing, siding, decks, windows, plumbing, and other common area components. A professionally prepared Reserve Study by Pacific Crest Reserves provides insurance carriers, brokers, and association boards with [...]
When a pipe fails, Boards often reflexively point the finger at the unit owner to protect the Association's budget. However, in Washington, determining liability for a $50,000 deductible requires a much higher burden of proof than simply "it happened in your unit." The Burden of Proof for Negligence To legally shift the cost of a [...]
Protecting Your Community and Budget from the PNW Freeze We have had a mild winter so far but as the Pacific Northwest experiences more frequent and severe "Arctic Outflow" events, condominium associations from Anacortes to Blaine must prioritize winterization to safeguard their physical and financial health. A single burst pipe in a shared wall can [...]