What Rights Do Homeowners Have Against Their HOA?

Kevin Davis

What Rights Do Homeowners Have Against Their HOA?

A Homeowner’s Association is intended to help maintain a clean and attractive atmosphere in the neighborhood that falls under its purview. It is a private association that is usually formed by a developer. Any homeowners who live in an HOA area sign contracts that require them to abide by certain community rules and guidelines. Unfortunately, in some cases, HOAs can become unfair and even tyrannical in their operations. When this happens, it’s important to understand the homeowner’s rights against hoa organizations.

What Can’t HOAs Do?

It may seem like HOAs can do whatever they want and get away with it, but there are certain rights homeowners always have. Here are a few things HOAs should never do:

  • Hand out random fines
  • Discriminate on the basis of ethnicity or race
  • Force you to take down your cable dish
  • Create rules without sufficient notice

If your HOA does any of these things, you have a right to fight back. There are certain insurance products companies like Kevin Davis offer that are intended to offer assistance and coverage if legal issues arise between homeowners and the HOAs in which they reside. The best course of action is to make sure you carefully read through your homeowners’ contract before pursuing legal action against your HOA. If you review your agreement and discover that your HOA is out of line, learn about homeowner’s rights against hoa.

Need for Risk Management

Recognize Your Company’s Need for Risk Management

Recognize Your Company’s Need for Risk Management

Businesses encounter risks and exposure based on the nature of operations and the actions of employees. While carrying a solid insurance plan is one way to minimize the financial effects of an incident that creates a loss, conducting a risk assessment and management plan is what the experts at https://www.sboneinsurance.com recommend for reducing the number of incidents that may occur.

Areas of Risk

Some industries have a higher risk than others and in more sensitive areas. The finance industry has to contend with threats of employee theft, fraud, and issues with cybersecurity. Those who work in manufacturing deal with safety concerns for their employees, but also the potential for product malfunction or defect. A risk assessment recognized these areas of exposure, then develops strategies to address them. In manufacturing, it could be establishing more rigorous manufacturing job training programs. In the financial sector, strong firewalls and security protocols could be the answer.

How to Develop a Plan

Risk management programs are often used in conjunction with comprehensive insurance plans. Many insurance providers are able to help craft a risk response, and in doing so, it could help lower your premium costs. If you want to conduct a risk management assessment, make sure it is done systematically and thoroughly. Also, establish a process for recording the results and continually reviewing them in order to evaluate how much progress your company is making.

classic car insurance

Classic and Vintage Cars: What Is the Difference?

Are you interested in old car collection? Then you will need to familiarize yourself with many concepts and terms. As you enter this world, you might hear the terms “classic cars” and “vintage cars.” Even though they sound interchangeable, they have significant differences. Find out more about vintage vs classic cars and why those differences matter.

Classic Cars

Classic cars are newer than their category implies. A vehicle considered classic needs to be at least 20 years old. Organizations such as the Classic Car Club of America have greater restrictions. They believe a classic car must be created around 1915-1948, stay unmodified and be maintained to high standards set by the manufacturer’s specs.

Vintage Cars

The term “vintage car” is applied to old cars, but it covers a specific car category. Vintage cars were created around 1919-1930, the time period after World War I. They are sometimes associated with pre-war cars, but some of those cars were manufactured up to 1939.

The Importance 

Some insurance providers follow these differences, so it is important to learn them when insuring vehicles. However, www.sboneinsurance.com/ indicates that many companies also use those terms without distinction or have their own specific definitions. You will need to stay flexible and adapt to their terms.

Classic and vintage cars may mean the same to most people or insurers, but they have their distinctions. Learn the differences to show your expertise and choose the right insurance plan.

The Importance of Keeping Your Toys Safe

Whether you get a thrill out of riding your motorcycle or taking your boat out on the water, these valuable possessions are an essential part of your lifestyle. To enjoy them to the fullest, it’s crucial to keep them properly protected. Here is what you should look for if you’re seeking reliable coverage for your toys.

Injury or Damage

An integral part of any toy insurance policy is liability coverage. Liability typically includes bodily injury and property damage that may have resulted from the use of your toys. In many cases, this type of coverage can be catered to the specific type of toy you have.

Medical Payments

If you ever experience an off-road accident while using one of your vehicles, you can be protected with the right coverage. The firm David Sayles Insurance reports that any medical payments that may result from medical care after an accident can be covered by a toy insurance policy. As a result, you can have peace of mind if anything goes wrong while using your vehicle.

Damage to the Vehicle

It’s also vital to ensure that the toy itself is well protected. With comprehensive coverage, you can keep your toy safe if any of the following events occurs:

  • Fire
  • Flood
  • Vandalism
  • Theft

There are many different circumstances that may pose a threat to your vehicle. Fortunately, you can know that everything is under control when you choose the toy insurance policy that’s perfectly tailored to your needs.

Merrimac Marine

What is Maritime Employers Liability?

Operating a business that involves boats can create an array of unique risks for your company. Insurance needs vary greatly with maritime organizations, meaning you need to give yourself time to investigate the ins and outs of your options. One area to focus on is Maritime Employers Liability. Also known as MEL, this is a service that can be a huge asset when it comes to providing your clients and employees with an extra level of protection.

Unique Risks

The experts at Merrimac Marine have reported that there are a number of key areas business owners need to understand when selecting this type of coverage. For one, this is a policy that will protect employees even when they are on boats owned by others. When you work with a lot of clients, this type of protection can be a huge help. Workers who should consider this type of protection include:
Artisan contractors
Scientific researchers
Drilling workers
Marine construction workers

Assess Your Needs

Assessing the specific risks posed to your business can be a smart way to go about selecting the right coverage. In order to provide the right level of protection to your employees, give yourself time to look over the unique issues that might arise for your business and your employees. This will help guide you to a policy that can offer you comprehensive coverage against the unknown.

Irving Weber Associates

Lean on Clean

There’s a reason that gossip is called “dirty laundry;” laundry is gross! If you think about how many different germs we come into contact with every single day, imagine how dirty our clothes are. Thankfully, you’re the owner of a laundromat that has great service, is affordable and overall a nice place to do laundry. If you’ve tried the traditional strategies in marketing for laundromats, why not market your facility’s high cleanliness standards as a major selling point?

Maintain a Cleaning Schedule

The pros at Irving Weber Associates, Inc. state that you need to show your audience how you differ from the competition. One major thing that you can do to prove that your facility is one of the most sanitary is to put your money where your mouth is. Make and stick to a strict cleaning schedule:
Sanitize the insides and outsides of washers and dryers
Sweep and mop the floors, especially if there is spilled detergent or fabric softener that could cause a slipping hazard
Dust and clean out dryer vents, making sure that lint is properly disposed of
If you think that small touches don’t make a difference, think again. Clients notice the little things that business owners do to maintain a sanitary environment. When you’re marketing your business, use your good cleanliness habits as your gold star.


Top Ways to Prevent Commercial Property Theft

Whether you rent or own the property your business uses, theft is a common occurrence for many businesses. Theft doesn’t always occur due to break-ins by random thieves. Protect your business with commercial crime services.


Security measures may seem like a no-brainer, but many businesses fail to implement adequate security systems. An alarm system, parking lot lights, cameras, and remote video surveillance can help deter theft from happening. Video surveillance and alarm systems can help you catch criminals that are undeterred by the measures. These systems help you keep your employees safe and help you watch both inside and outside theft. Because sometimes the theft starts with an employee. How high-tech your security measures depend on the type of business you operate and the valuables contained within the building.


When your security measures fail, it is important to have insurance, as indicated by https://www.nsins.com/. A commercial property policy can cover damages caused by burglaries and vandalism, but it may not cover securities or stolen money. Since company employees are often the most common source of theft, it is important to make sure your business is fully covered should one occur.
Commercial crime services help you protect against financial loss caused inside or outside the business. If your business has valuable assets such as cash or fine art, consider adding an additional crime policy.

As seen on https://kingharvest.org/

Your Alternative To Traditional Medicine

Today, there are many other options for treating pain and discomfort than medication prescribed by medical doctors. One such remedy is blue emu oil, but what is a blue emu, how does it work and how can it help you?

How It Works

Blue emu is a compound that sinks deep under the skin to treat muscles and reach your bloodstream to help with various problems, including pain and illness. This is especially useful for arthritis pain.

How It Helps

When applied topically, the blue emu can help your body in many ways, although it is mostly linked to treating pain. That being said, there is more than one use for this product. As seen on https://kingharvest.org/, blue emu oil can be used for a variety of reasons, including the following:

Lessen pain
Reduce inflammation
Promote relaxation
Caring for piercings and tattoos
Reduce the appearance of scars and stretch marks
Help Living Your Best Life

Living a life of pain or discomfort is not something you have to do. Whether you suffer from chronic pain, want to relax and unwind, or need something to help you feel comfortable in your own body, blue emu products may be right for you. What is blue emu? In short, it is a product that can help you live a comfortable life.

Irving Weber Insurance

Policies Every Convenience Store Owner Should Have

A convenience store is much more than a place to stop for gas. It provides the food, supplies and rests that any traveler needs. That is why it is important to protect your store with the best possible convenience store coverage. As detailed by Irving Weber Insurance, different policies can build a whole shield of safety that makes even the largest incident manageable.

Liquor Liability Coverage

A big part of your store’s sales is likely in the liquor department. Therefore, it only makes sense to acquire insurance that has your back when the liquor you sell causes some issue. For example, a client hurt themselves or damages a property due to the alcohol they consume from your store. A good liquor liability policy comes in to save the day to assist in the financial fallout of a lawsuit or medical issues.

Equipment Breakdown

There is no panic worse than having your refrigerators, soda machines and freezers breakdown. A policy like equipment breakdown coverage helps you with repairs or can even replace the item for you.


You have likely seen a crime or robbery occur at a convenience store every so often on the news. It is impossible to predict whether or not your store will be hit. Thankfully, crime insurance can help ease the stress and expenses of this type of incident.


The Importance of Having a Sexual Abuse Liability Policy

No business owner likes to think about his or her employees committing acts of sexual misconduct. It does happen, however, and if it happens in your company, you need to be prepared with the right insurance coverage. As indicated on https://www.wwspi.com/, your general liability policy is likely to have exclusions for sexual abuse and related offenses. You need a separate policy to protect yourself and your company from such allegations.

What It Covers

Sexual misconduct insurance can cover the cost of lawsuits brought against your company for a broad range of behaviors:

Inappropriate requests
The use of sexually charged language
Hiring practices
Failure to report observed sexual misconduct

If someone brings a lawsuit against your company and you are not protected by the right insurance policy, you could lose a devastating amount of money.

Additional Fallout

Allegations of sexual misconduct or abuse can also take a toll on your company’s reputation. While you cannot control your employees’ behavior, you may be able to reduce the chances of an occurrence by providing training. Talking to your employees about actions that constitute sexual misconduct and the ramifications of committing these acts makes the expectations clear.
Your insurance company may work with you to provide coverage as well as advise on training that is right for your business. Don’t just assume sexual misconduct won’t happen; be prepared if it does.