When HOA Insurance Eats Your Reserves
California HOA insurance costs have reset permanently higher. The damage rarely shows up in the insurance line — it shows up in the reserve contribution.
Does Your State Require a Reserve Study?
State law on reserve studies ranges from strict to silent. But there's a second rulebook that applies in all 50 states, and most boards have never read it.
How to Choose a California Reserve Study Company
Three proposals, three prices, no way to compare them. Here's what actually separates reserve study firms — and the questions that expose the difference.
How to Avoid a Special Assessment
Special assessments aren't bad luck — they're arithmetic. What triggers them, what a board can impose without a vote, and how to head one off in time.
SB 326 Balcony Inspections and Your Reserve Study
California's SB 326 requires balcony inspections every nine years, and the report must feed your reserve study. SB 410 added new rules effective January 2026.
Your Engineer Found Balcony Damage. How Do You Pay for It?
California caps special assessments at 5% without a member vote — but a safety threat in your SB 326 report may qualify as an emergency exception.
California's New AB 130 Law Caps HOA Fines at $100
California's AB 130 caps most HOA fines at $100 and bars late fees and interest, with a health/safety exception for boards.
California's Reserve Study Law: A Quick Guide
A guide to California's reserve study law for HOA boards, covering key Davis-Stirling Act requirements to ensure compliance and protect your community.
