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Sent by a restoration contractor, under their own name and logo. Who it is for: Community association managers, board members and management company executives. When to send it: Send it before a board meeting, so the board can approve you in advance.

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Before you send this. A manager or a single board member may not have the power to sign for the association, so check the declaration, bylaws and any board resolution for who can authorize work and up to what amount. The line between the master policy and each owner's unit policy (HO-6) is set by the declaration and, in some states, by statute, so do not tell a board or an owner who pays. Get the work authorization in writing from the party that actually holds that authority, and from the unit owner for anything the owner is responsible for.

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EMERGENCY GUIDE

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HOA & Condo Emergency Guide

In a condo or homeowners association (HOA), a loss raises two questions fast: who covers what, and who can approve the spending. This guide covers the first hour and the decisions to settle before the next one.

What makes community associations different

• Responsibility is set by the governing documents, not by where the water ended up. Know your line before the loss, not during it.
• The master policy and an owner's individual policy both come into play, and the deductible allocation is often the real argument.
• Emergency spending may exceed what a manager can authorize without the board.
• Owners talk to each other immediately. Silence from the board gets filled with speculation.
• Common area and limited common element distinctions decide who signs the work authorization.

Your first five moves

1. Protect people. Call 911 if anyone is hurt or if water is near energized equipment.
2. Stop the source. Shut off at the riser or the main serving the affected units if it is safe to reach.
3. Check the units below and beside the loss before anything else, and log which units were entered and when.
4. Photograph common areas and each affected unit separately, since the claims will be separated later.
5. Call [Company Name] at [emergency number] and confirm who is authorized to sign the work authorization tonight.

Have this ready before the call