Effective Tips to Help Minimize or Prevent Loss

There are many potential risks that could impact your Association. While some are significant and difficult to fully prevent, such as a tragic swimming pool accident or a catastrophic fire, others are more manageable with proactive measures. 

For instance, a building fire without proper safety protocols—such as marked exits and lighting—could result in serious injuries or fatalities. Natural disasters like hurricanes, tornadoes, or flooding can also cause substantial damage. However, there are less obvious but still costly risks that can be minimized with a little prevention – for both Associations and homeowners alike.

Replacing Hoses

Hoses connected to washing machines and other appliances can wear out faster than expected. Replacing them with "flood-check" hoses can mitigate the risk. Additionally, installing a flood stop and catch pan under your washer can help prevent significant water damage. These devices detect water leaks and automatically shut off the supply.

It’s also important to regularly inspect water connections, hoses, and seals on toilets. Replacing them when necessary is much less costly than dealing with the resulting damage from a failure.

Recently, a unit owner returned to a flooded home due to a ruptured washing machine hose. Constant pressure on the hose, with the water valves left turned on, can eventually lead to failure. If you’re unsure of the condition of your hoses or water connections, it’s a good idea to call a plumber. The peace of mind far outweighs the cost of addressing a major loss.

Hot Water Heaters

Check your water heater regularly for signs of leaks or rust around the base. Most water heaters installed by developers have a life expectancy of less than 10 years. Regular inspections are key to preventing a loss. Installing a flood stop and catch pan, similar to those used for washing machines, can also prevent significant water damage.

Water Sensors

Consider installing water sensors for common appliances and in basements. These devices detect leaks and automatically shut off the water supply, preventing further damage. There are many options available online—it's worth considering this investment to protect your property.

About Grills

Each year, as summer winds down and spring approaches, it's essential for Community Association owners to remain mindful of one of the leading causes of fire and property loss: careless grilling.

If gas grilling is permitted by your Association and local regulations, ensure that the following rules are communicated and enforced:

• Never leave grills unattended. Flash fires can occur due to mishandling fuel or from food byproducts like fat. If a fire starts, close the grill lid to starve the fire of oxygen. If this doesn’t work, always have a fire extinguisher nearby.
• Prohibit grilling on wooden balconies or decks and under wooden overhangs. If grills are allowed, use fireproof pads on wood surfaces and position the grill away from siding to prevent grease buildup and potential flash fires.
• Properly care for fuel. Propane is highly explosive, and should never be stored inside or brought indoors for cleaning. Regularly check gas connections and valves for leaks by swabbing them with soapy water—bubbles indicate a leak. If you find a leak, close the valve, seek repair from an authorized dealer, or contact the fire department if necessary.
• For charcoal grills, always use ash catchers. Never dispose of hot ashes in grass, weeds, or plastic trash cans. Offering a "Safe Grilling" class for residents could be a valuable safety initiative.

Some Thoughts on Fire Safety

Ensure that these emergency procedures are posted in the event of a fire:

• Call 911, providing your address, building, and unit number.
• If the fire is in your unit, leave immediately, closing the door but not locking it.
• If the fire is not in your unit, only exit if:
  • The door is cool to the touch
  • No smoke is visible when you open the door
  • The corridor is clear
• If you stay inside, seal cracks around the door and open a window if possible.
• Alert other residents by voice, phone, or a fire alarm.
• Remain calm and follow any instructions from police or fire rescue personnel.

Managing Your Community's Claims

To keep your Association’s claims expenses down, it is crucial for managers and board members to respond promptly, thoroughly, and cooperatively in the event of a claim. Compliance with the Association’s insurance adjusters and defense attorneys is critical, even when the requested information seems insignificant or difficult to gather. Remember, these professionals act on your behalf and in your best interest.

Failure to cooperate can lead to increased legal costs, inflated expenses, and delays in resolving the claim, all of which will eventually impact the Association. Keeping costs down benefits everyone.

A Definition of Insurance

Insurance is the transfer of risk to reduce the uncertainty of financial loss. It should not be viewed as an opportunity for personal enrichment at the expense of others.

If we can assist with these coverages, please contact us at ccis@ciramail.com.

Please note that the information provided in this article is for educational purposes only and does not constitute legal or insurance advice. The codes, coverages, and recommendations discussed may not apply to your specific association, property, or situation. Always consult with a licensed insurance agent to obtain a detailed explanation of the coverages and exclusions that are relevant to your unique circumstances.