Issuu

28,000+ CIRCULATION

JULY 2026

FEATURES

Pg. 8

The Starting 9: Building Your HOA's Championship Roster

Beyond the Repair: What Makes an All-Star Contractor

Risk Management and Where Insurance Fits the Game Plan

All Stars in Action: Protecting HOA Water Features Through Advanced Waterproofing

Your

community management

Partner

At Associa Desert Resort Management, our top priority is keeping all aspects of your community running seamlessly. Whether it’s our top-tier management, secure financials, on-demand maintenance, or advanced technology, our complete and comprehensive suite of services makes leading and living in a managed community better and easier than ever.

www.drminternet.com 2

HOA Living | JULY, 2026

Leave the hard work to us, so you can focus on what matters. Shelly Bricker 760-610-7775 sbricker@drminternet.com

TABLE OF CONTENTS DEPARTMENTS Cover Feature........................................8 Maintenance and Reconstruction.....11 Insurance............................................12 Water Features....................................16 Security................................................18 Landscaping........................................22

Want to apply for your PCAM designation? Need more points on your application to qualify? Get the credits needed by becoming a freelance writer with the HOA Living Magazine!

Roofing................................................24 Coachella Valley Water District.........27

EVENTS Livin on a Spare Bowling Tournament........................... 10 June Luncheon & Mini Trade Show.............................20 Celebrating Community Association Managers........................28 Comedy Night.....................................34 Summer Sizzler...................................37

IS YOUR ASSOCIATION POSITIONED TO

SUCCEED?

For over 38 years and over 80,000 times, our company has provided accurate Reserve Studies for Association-governed communities nationwide. Don’t wait: A successful financial future begins with a great plan today.

Upcoming Events................................38

CHAPTER NEWS About CAI-CV .......................................4 CAI-CV Board of Directors...................4 About HOA Living Magazine................5 Magazine Committee...........................5 Educated Business Partners................5

Reserve Planning YOUR Way!

Guaranteed to deliver MORE solutions and LESS headaches, this powerful Online tool allows Managers & Board members to easily test changes to component information and funding strategies.

For more information, visit www.reservestudy.com/uplanit

President's Message..............................6 Executive Director Message.................7 Advocacy Update................................31 National Perspective...........................32 CAI-CV 2026 Calendar........................38

Contact us today for a Sample Report and no-obligation Proposal! www.ReserveStudy.com | (909) 906-1025 | sandersen@reservestudy.com

2026 Corporate Sponsors...................40 CAI-CV.org

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About CAI-CV

The Community Associations Institute – Coachella Valley Chapter (CAI-CV), established in 1983, is a nonprofit organization dedicated to serving the educational, business, and networking needs of community association professionals and homeowner leaders throughout the Coachella Valley. As part of an international organization, CAI-CV provides vital resources, training, and legislative advocacy to help homeowners associations (HOAs) operate effectively and responsibly.

2026 COACHELLA VALLEY CHAPTER BOARD OF DIRECTORS PRESIDENT

Term 1/1/2026 – 12/31/2028

BRUCE LATTA, CMCA, CFE Manager, Indio Properties

PAST PRESIDENT

Term 1/1/2023 - 12/31/2026

MARK DODGE, CMCA, AMS

Our mission is to build better communities by equipping board members, community managers, and business partners with the knowledge and tools necessary to lead with confidence, make informed decisions, and foster thriving, well-managed neighborhoods.

Branch President & CEO Associa – Desert Resort Management

TREASURER

Term 1/1/2025 - 12/31/2027

JOLEN ZEROSKI, CMCA

VP, Regional Account Executive First Citizens Bank

Membership is open to all who serve HOAs. Board members can enroll up to 15 members of their community, including the Board of Directors, committee chairs, and committee members, with one low fee. This offer also extends to cities or other governing agencies that would like to connect with CAI. If you are a manager or business partner, CAI offers many opportunities for education and credentialing, including the Educated Business Partner distinction, multiple designations, and specialty credentials for community managers.

SECRETARY

Term 1/1/2026 – 12/31/2028

DAN GOODRICH CCAM-LS, AR, AMS PCAM, LSM Sierra Dawn Estates

DIRECTOR

Term 1/1/2023 - 12/31/2025

JULIE BALBINI, ESQ.

CAI-CV

EDUCATED BUSINESS PARTNER

DIRECTOR

To inquire about membership, visit www.cai-cv.org/join, call (760) 341-0559, or email admin@cai-cv.org.

Term 1/1/2026 – 12/31/2028

WILLIAM BRADY

Fision Fiber Optics by Hotwire

MEMBER RESOURCES

DIRECTOR

Term 1/1/2026 – 12/31/2028

Members have access to our online directory, which contains contact information for all members within our chapter across all membership categories. Advertising opportunities are also available—please contact our office for details.

ABOUT HOA LIVING MAGAZINE HOA Living is CAI-CV’s monthly magazine and the official publication of the chapter. Circulation is approximately 28,000 and growing. A digital copy is distributed free to all members, and a printed version is available with a paid subscription by signing up at cai-cv.org/HOA_Living_Magazine. If you are interested in submitting an article or advertising, contact us at admin@cai-cv.org.

CONTACT INFORMATION

MICHAEL MARSHALL, CMCA, PCAM

Vice President, FirstService Residential

DIRECTOR

Term 1/1/2025 - 12/31/2027 CAI-CV

EDUCATED BUSINESS PARTNER

LILY ORTEGA, CMCA

Office Manager, Pro Landscape

DIRECTOR

Term 1/1/2026 – 12/31/2028

DAVID SCOTT

Ranch Club Palm Estates

DIRECTOR

Term 1/1/2025 - 12/31/2027

STEVEN SHUEY, PCAM

Retired Community Manager

DIRECTOR

Term 1/1/2023 - 12/31/2025

MIKE TRAIDMAN

Treasurer, Mira Vista at Mission Hills HOA Commissioner, CAMICB

GENERAL INQUIRIES

MEMBERSHIP INQUIRIES AND UPDATES

NATIONAL CONTACTS

Email: admin@cai-cv.org

Membership status/renewals cai-info@caionline.org

National Corporate Member updates addresschanges@caionline.org

Address or information changes addresschanges@caionline.org

National Professional Directory Laura Mason, lmason@caionline.org

Recruiter credit addresschanges@caionline.org

Dues or multi-chapter additions cashprocessors@caionline.org

Phone: (760) 341-0559 Mail: CAI-CV, 49950 Jefferson, Suite 130-117 Indio, CA 92201

Managing Attorney, CV Office, Fiore Racobs & Powers, A PLC

HOA Living | JULY, 2026

2026 HOA LIVING MAGAZINE COMMITTEE MEMBERS CAI-CV

EDUCATED BUSINESS PARTNER

JENNIFER JAMES, ESQ. CHAIR

BRITAIN ROME

Allied Universal

Partner & Managing Attorney of the Coachella Valley, Roseman Law, APC CAI-CV

EDUCATED BUSINESS PARTNER

JASON SAVLOV, ESQ.

Adams | Stirling, PLC

RODNEY BISSELL CO-CHAIR

DAVID SCHUKNECHT, AMS, PCAM, MBA

Bissell Design Studios Inc.

Personalized Property Management

SEAN ANDERSEN

JOHN SCHUKNECHT, CMCA, AMS LaBarre/Oksnee Insurance

Association Reserves

STEVEN SHUEY, PCAM

FELICIA BUSTOS

WICR Inc. Waterproofing & Construction

Retired Community Manager

SIERRA CARR, CMCA, AMS, CCAM, PCAM

C.L. Sigler & Associates, Inc.

JOHNNY CONTRERAS

CREATIVE DIRECTOR & GRAPHIC DESIGNER

CHRIS SIGLER, B.S.C.E, CDT

Personalized Property Management Southwest Landscape & Maintenance Hidroklear LLC

RODNEY BISSELL Bissell Design Studios, Inc. rodney@bisselldesign.com (714) 293-3749

MIRANDA LEGASPI, EBP, MBA

PHOTOGRAPHY

ROBERTO ANTONIO FLORES

Platinum Security

JESSICA MCCONNELL HOA Invest

CAI-CV

EDUCATED BUSINESS PARTNER

LILY ORTEGA

Pro Landscaping Inc.

CAI-CV

EDUCATED BUSINESS PARTNER

MATTHEW LAWTON, CIC, CIRMS, EBP OCV Insurance Services matt@ocvinsurance.com 760-774-2099

HOLLY SMITH, PCAM Executive Director

EDITORIAL DISCLAIMER The opinions and views expressed in editorial material are those of the individual authors or interviewees and do not necessarily reflect the views of CAI–CV, Community Associations Institute, its Board of Directors, members, or advertisers. Unless expressly stated, CAI–CV does not endorse any individual, organization, product, service, political candidate, or opinion. Information contained in this publication is provided for general informational purposes only and does not constitute legal, accounting, or professional advice. Readers are encouraged to seek the advice of qualified professionals before acting on any information contained herein. HOA Living reserves the right to edit or reject submissions and advertising that do not meet its standards. Print colors may vary slightly due to the printing process.

CAI-CV CAI-CV

CAI-CV BUSINESS EDUCATED BUSINESS EDUCATED

EDUCATEDPARTNER BUSINESS PARTNER PARTNER

CHOOSE EDUCATED BUSINESS PARTNERS

BECOME AN EDUCATED BUSINESS PARTNER

Call the CAI-CV office or go to www.caionline. org/education-for-partners/ for more information. Business Partner Essentials is an online course that empowers CAI-member business partners to better serve community associations. Participants who complete the course earn the CAI Educated Business Partner distinction, highlighting their knowledge, professionalism, and commitment to excellence.

Julie R. Balbini, Esq., Fiore Racobs & Powers, A PLC Micha Ballesteros, Cartwright Termite & Pest Control, Inc. Roxi K. Bardwell, Advanced Reserve Solutions, Inc. Rodney Bissell, Bissell Design Studios, Inc. Gary Butler, Asphalt MD's Linda Cardoza, Alliance Association Bank Will Cartwright, Cartwright Termite & Pest Control, Inc. Christopher Cellini, Flood Response Todd Chism, PatioShoppers Thomas Edelson, BPR Inc. Trip Hazard Repair DJ Conlon, Poppin Promotional Products Julie Frazier, Frazier Pest Control, Inc. Victoria Germyn, Teserra Elaine Gower, The Naumann Law Firm, PC Michael Graves, SCT Reserve Consultants Amanda Gray, Harvest Landscape, Inc. Jennifer James, Esq., Roseman Law, APC Jennifer Felder, Platinum Security Erin Kelly, Banc of California Megan Kirkpatrick, Kirkpatrick Landscaping Services Katy Krupp, Fenton Grant Mayfield Kaneda & Litt, LLP Matt Lawton, CIC, CIRMS, OCV Insurance Services Larry Layton, Kirkpatrick Landscaping Services Mike Mastropietro, OCBS, Inc. Chris Meyer, Asphalt MD's Greg Morrow, Eagle Roofing Products Bridget Nigh, BEHR Paints Matt Ober, Esq., Richardson Ober DeNichilo LLP Lily Ortega, Pro Landscape Chet Oshiro, EmpireWorks Mallory Paproth, SCT Reserve Consultants Dana Pride, Automation Pride Mike Rey, LaBarre/Oksnee Insurance Agency Kelly Richardson, Esq., Richardson Ober DeNichilo LLP Brent Sherman, Animal Pest Management Services, Inc. Liz Williams, AMS Paving Taylor Winkle, Roof Asset Management Bevan Worsham, AMS Paving Jolen Zeroski, First Citizens Bank

CAI-CV.org

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@CAI-CV

Bruce Latta, CMCA, CFE Manager, Indio Properties President, of CAI-CV

As we welcome July, we begin the second half of 2026. The first half went by quickly. I hope it has been a successful one so far for each of our members. On behalf of the CAI-CV Board of Directors, we wish everyone a safe and enjoyable 250th Independence Day celebration for our nation on July 4th. If you're reading this after the holiday, we hope you had a memorable time with family and friends. Our education programs provide resources for community board members, homeowners, managers, and business professionals in the Coachella Valley. The June 18 Luncheon and Trade Show focused on water intrusion and was our last before the summer break. The next educational luncheon is on Thursday, September 17, at Sun City Palm Desert. Our June speakers, attorney Mark Guithues of Community Legal Advisors and Patrick Prendiville, CIRMS, of Prendiville Insurance Agency, delivered an outstanding presentation. They provided valuable insights into water intrusion from both legal and insurance perspectives, complementing each other's expertise to create a highly informative program. June featured our first Managers' Appreciation Event on June 11th at La Fe Wine Bar in Palm Desert, with nearly 50 attendees. The month concluded with our annual Comedy Night scholarship fundraiser on June 26th at Sun City Palm Desert. Community managers and assistant managers, mark your calendars for Community Association Managers’ Day (CAM Day) on Thursday, July 16, at Palm Valley Country Club. Registration and breakfast begin at 8:00 a.m., with programs running from 9:00 a.m. to 5:00 p.m. The event offers continuing education credits and a full day of support for community association managers. Board members, save the dates for the Board Leader Certificate Course this summer, featuring two Zoom sessions on Tuesday, July 14, and Tuesday, August 11, from 9:00 a.m. to 11:00 a.m. Our annual Bowling Tournament is on Friday, July 24, at Palm Springs Lanes. None of our successes would be possible without the generous support of our sponsors, the dedication of our volunteers, and the participation of our members. On behalf of the Board, thank you to everyone who helps make our events possible and successful. Our committees are the backbone of the Chapter, with volunteers whose time, talent, and expertise keep CAI-CV a valuable organization serving the many Coachella Valley communities. While summer may be quieter for some, your CAI-CV Board of Directors and committees remain active, planning the many fall and winter events. If your community has not yet applied, now is the ideal time to apply for the Medallion Community Award, which recognizes excellence in community association operations and governance. Thank you for supporting CAI-CV and its mission to help build better communities. Together, I am confident we will achieve more and look forward to what we will accomplish in the coming months. For more info on CAI-CV events, www.cai-cv.org or contact admin@cai-cv.org or call 760-341-0559. Wishing you a safe, enjoyable, and productive summer.

HOA Living | JULY, 2026

Join our Community

Holly Smith, PCAM Executive Director

Seeing the Bigger Picture Former NASA astronaut Ron Garan has spoken often about how seeing Earth from space changed the way he understood humanity. After spending approximately 178 days in space, he described looking down at Earth and seeing not borders, divisions, or competing interests, but one connected planet protected by an atmosphere so thin it appeared almost fragile. Astronauts call this shift in perspective the Overview Effect: the realization that we are all connected, all dependent on the same systems, and all responsible for protecting what we share. That perspective feels especially relevant to our industry and to our Coachella Valley communities. At ground level, it can be easy to focus on the lines that separate us: one company from another, one association from the next, one board from its homeowners, one profession from another. We can become so focused on individual roles, territories, relationships, and opportunities that we lose sight of the larger ecosystem we are all part of. But when we step back and look at the broader picture, those lines begin to feel much smaller. The common-interest development industry is not strengthened by division, guarded thinking, or a scarcity mindset. Our communities are not better served when professionals view one another only through the lens of competition. And homeowners do not benefit when the people and organizations responsible for supporting them are disconnected from one another. Like Earth from orbit, our industry is more connected than it may appear. Managers, business partners, homeowner leaders, boards, Realtors, city officials, and industry professionals all operate within the same shared environment. When one part of that environment struggles, the entire system feels it. When one part improves, we all benefit. Our priority should be clear: the strength of our communities, the integrity of our industry, and the trust of the people we serve. Individual success matters, but it should never come at the expense of the larger mission. There will always be competition. There will always be different companies, personalities, perspectives, and approaches. But competition does not have to create division. At its best, it challenges us to be more ethical, more creative, more responsive, and more committed to service. The bigger picture is this: we are all responsible for the future of HOA living in the Coachella Valley. And when we truly understand that, “us versus them” becomes much less important than what we are building together.

CAI-CV.org

CAI-CV is one of 64 CAI chapters worldwide, representing a network of more than 50,000 professionals dedicated to strengthening community associations. Stay connected with local leaders, industry resources, and chapter news by following CAI-CV on social media and visiting us online. Build relationships, share knowledge, and grow your professional network within our community.

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The Starting 9: Building Your HOA's Championship Roster Each fine baseball team is known for a cleverly arranged lineup every player selected based on their particular capabilities, put in a sequence that brings out the team's maximum winning potential. Managing a very effective homeowners association is hardly a matter of having a very different set of people, in the right roles, work together toward the same goal: a smoothly run, financially sound, flourishing community. We put on our manager's cap and built a dream team the nine external professionals that every homeowners association should have in their corner, whether you are a 20-unit condo community or a 200-home master planned neighborhood.

HOA Living | JULY, 2026

Property Management Company | Leadoff Hitter

The leadoff hitter in baseball leads the way by getting on base time after time, and your property management company is just the person to do that. They keep things going on a daily basis, get the vendors organized, answer the homeowners' calls, and explain everything to the board, making sure it stays on the right side of the law. They create the first impression for everything else. A capable management company not only deals with the problems when they come, but also keeps them away.

HOA Attorney | Two-Hole Hitter

A two-hole hitter is good, nice, and a little selfish, and your HOA attorney is hardly any different. Your lawyer will help you to understand the law, draft your documents, and will help you to deal with the Department of Housing and combating discrimination issues; And, they will defend the association if the matter proceeds to a lawsuit. You want to have this professional close to your management company in the batting lineup. But, you also want to heed this one key piece of advice: build this relationship before you need to call one. Nobody wants to be searching for an attorney in the middle of a lawsuit.

CPA / HOA Accountant | Three-Hole Hitter

Normally, the player who can hit each point fairly well is called a three-hole hitter and this is exactly the kind of spot your CPA gets. This is not your bank manager type of director - this is a CPA who is an independent, practicing professional willing to handle your audits, tax filings, and financial statements. They are the ones who maintain the highest level of accuracy in your books and make your financials trustworthy to homeowners, lenders as well as potential buyers.

Reserve Study Specialist | Cleanup Hitter

Landscaping Contractor | Five-Hole

This is your big hitter and also the position that is probably the most overlooked on the field. A reserve study specialist is someone who formally evaluates the major physical components of your community, such as roofs pavement fencing, and equipment. They inform you what is changeable, when and how much changing it will cost. Your board, without this, is merely guessing on assessments and hoping for the best. With it, you have a good time at bat.

Many homeowners say that when they first visit a community they are influenced most by the way the community looks. Your landscaping contractor is the most striking vendor among all vendors in your company. What a house looks like from the street definitely has an effect on the value of the property as well as the feeling of the homeowner that will lead to the decision when you will be able to sell and the price, so you want to put the best foot forward. Here, steady and dependable will beat affordable every time.

General Maintenance Contractor | Six-Hole

Insurance Broker / Agent | Seven-Hole

One person in a team has to be the main source of energy a person who comes in every day and gets to work quietly without the general public's admiration. Your general maintenance contractor is the one to handle repairs, upkeep of common areas as well as work orders that come with the management of any community. They are not fashionable, but they are necessary.

HOA insurance is way more complicated than an average homeowner's policy. Master policies, Directors & Officers coverage, umbrella policies, fidelity bonds that list can go on for a while. An agent who specializes in community associations is aware of the difference between sufficient coverage and the policy that leaves the board members vulnerable. This is a place where saving money can cost the whole association a lot.

Community Association Banker | Eight-Hole

Collections Attorney / Agency | Nine-Hole

Don't discount the eight-hole hitter. A banker who has expertise in community associations is highly knowledgeable about reserve fund structures, understands how to ladder CDs to optimize returns on reserve funds, and knows best financing options for major capital projects through assessment loans. A regular commercial banker is simply not fluent in this language. Bringing together the right banker with your CPA and reserve specialist will provide your association with one of the strongest financial cores in the business.

The nine-hole hitter serves the role of the "glueguy" quite easy to overlook, but totally impossible to do without once they are operating at a high level. Regardless of the community, members delinquent in paying dues are going to be a reality and having a collections attorney or agency ready and available makes sure that the whole process is efficient, consistent, and meets all legal requirements. This is purposely a separate relationship from your general HOA attorney you don't want to spend your main legal resource on the everyday collections work. Similar to in baseball, no single player is able to win the game alone. The real magic lies in how these nine professionals collaborate each one performing their role, covering for each other, and together moving the community forward. Choose and build your team correctly, and your HOA won't just make it through the season. It will compete for the championship. Play ball. David J. Schuknecht, AMS, PCAM, MBA is the Vice President of Personalized Property Management. With credentials including an MBA in Accounting from Louisiana State University and both AMS and PCAM designations, David combines strategic business acumen with deep industry expertise from his decade plus experience. His philosophy is simple: empower great managers with great tools, and they'll deliver great results for their communities. David can be reached at David@hoappm.com or (760) 325-9500.

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If you experienced a personal hardship or emergency, how confident are you that neighbors in your community would offer support?

In the past 12 months, have you participated in any community social events or activities? 1%

4% 10% 25% 9%

22% 30%

 Extremely confident  Very confident  Moderately confident  Slightly confident  Not at all confident  Not sure

More than half of residents (55%) are extremely or very confident their neighbors would offer

20%

27%

18% 34%

 Yes, multiple times  Yes, once or twice  No, but I was aware of them  No, I was not aware of any  Not sure

61% of residents participated in community social events or activities in the past year, including 27%

support during a personal hardship or emergency, with 77% at least moderately confident.

who participated multiple times.

To what extent do you agree or disagree with the following statement? Attending community events makes me feel like I belong in this community.

To what extent do you agree or disagree with the following statement? Overall, social activities in this community improve my personal well-being.

10% 30%

19%

36%

 Strongly agree  Somewhat agree  Neither agree nor disagree  Somewhat disagree  Strongly disagree  Not applicable (I do not attend community events)

Two-thirds of residents (66%) say attending

community events makes them feel like they belong in their community.

10% 4%

24%

25% 33%

 Strongly agree  Somewhat agree  Neither agree nor disagree  Somewhat disagree  Strongly disagree  Not applicable (There are no social activities in my community)

57% of residents agree that social activities in their

community improve their personal well-being. SPONSORSHIPS

2026 Homeowner HOA Living | Satisfaction JULY, 2026Survey | foundation.caionline.org

Beyond the Repair: What Makes an

All-Star Contractor By Felicia Bustos

ore Than a Vendor. A Trusted Partner in Building Better Communities. Behind every thriving HOA is a team of professionals dedicated to protecting one of the community's greatest assets its property. While community managers and board members often lead the way, contractors and business partners play an equally important role in preserving, restoring, and enhancing the places residents call home. The best contractors do far more than complete projects. They become trusted partners, understanding that every repair or improvement impacts residents, reserve funds, property values, and the long-term success of the association. Whether the work involves waterproofing, roofing, painting, structural repairs, paving, engineering, or landscaping, exceptional contractors recognize that success is built on communication, accountabilit y, and qualit y craftsmanship. These professionals are what we proudly call All-Star Contractors. An All-Star Contractor is distinguished not only by technical expertise but by professionalism, responsiveness, and a commitment to doing the job right. They understand the unique challenges of community associations, working closely with managers and boards to develop solutions that meet budgets, minimize disruption to residents, and deliver lasting results. Their goal isn't simply to finish a project, it's to help communities protect their investments for years to come. Many of these industry leaders also demonstrate their commitment through active involvement in the Community Associations Institute (CAI). As CAI Business Partners, they invest in continuing education, industry collaboration, and building meaningful relationships with community managers, board members, and fellow professionals. Their participation reflects a dedication to staying informed on best practices and emerging trends that benefit the communities they serve.

Being an engaged CAI Business Partner represents more than membership. It reflects a commitment to ethical business practices, professional development, and supporting the community association industry beyond individual projects. These companies understand that long-term partnerships are built through trust, reliability, and consistent service. As a board member, your responsibility is to protect your community's assets and make informed decisions that serve residents for years to come. As a community manager or portfolio manager, the vendors you recommend become an extension of your reputation. Choosing contractors who actively support CAI is one way to identify professionals who have invested in this industry not just in winning projects. The CAI Business Partner Directory is more than a list of vendors; it is a network of companies that have chosen to be involved, educated, and engaged in the community association profession. While membership alone does not guarantee quality, it does demonstrate a commitment to building relationships, supporting the industry, and staying connected to the evolving needs of community associations. The next time your association is seeking proposals or building its preferred vendor list, look beyond the lowest bid. Look for professionals who consistently show up, invest in the industry, and strive to be trusted partners. Because the best communities aren't built by chance they're built by teams of All-Star professionals working together.

CON T R AC TORS

Felicia Bustos is the Business Development Representative at WICR Inc. Waterproofing & Construction. She is passionate about building relationships and helping communities find reliable waterproofing, deck coating, and reconstruction solutions. If you ever need support or simply want to connect, feel free to reach out she would love to chat! Contact Felicia at marketing@wicr.net or 760-835-5674. CAI-CV.org

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Risk Management and Where Insurance Fits in the Game Plan

board of directors is tasked with maintaining, if not improving, the value of the assets within a community. Like any successful team, the board needs a game plan. Expenses are part of that plan, but the risk of financial loss needs to be managed through a risk management program designed to avoid, control, transfer, or accept that risk. Avoid Risk: Avoiding risk means removing potential hazards before they become a problem. In baseball terms, this is like taking away the big inning before it starts. For example, if there is a tree in the common area that has a tendency to lose large branches or could fall over completely, removing the tree avoids the risk. Control Risk: Large expenses can create hardships for the membership in the form of special assessments. A reserve study helps identify the useful

HOA Living | JULY, 2026

By John Schuknecht CMCA, AMS life of components and their estimated replacement cost. Using the reserve study as a guide, an association can build a financial plan so funds are available when a component reaches the end of its useful life. This is the long-game strategy, not waiting until the bottom of the ninth to figure out how to respond.

policy. The insurance carrier outlines the covered perils in the insurance policy. Accept Risk: There will always be exposure that cannot be avoided, controlled, or transferred. Those exposures simply need to be accepted. Every team has to

"THE RISK MANAGEMENT PROGRAM INVOLVES AVOIDING, CONTROLLING, TRANSFERRING, AND ACCEPTING RISK." Transfer of Risk: This is the essence of insurance. An insurance policy is a contract between the insurance company and the insured. The association agrees to pay the premium and accept a portion of a loss, also known as the deductible. In exchange, the insurance company agrees to accept the risk of certain property or liability losses. Not every event, also known as a peril, is transferred or covered by the

play the field they are given, but the best teams know which risks they are willing to live with.

MAIN INSURANCE COVERAGES FOR ASSOCIATIONS While requirements vary by governing documents, lender guidelines, and state legislation, the following coverage is either required or should be considered:

PROPERTY INSURANCE Property insurance is required coverage and applies to buildings and other common area property maintained by the association. Perils typically include damage caused by fire, water from a burst pipe or backed up drain, and wind. Carriers in different regions of the country may add limitations or exclude certain catastrophe perils. For example, hurricane damage is typically excluded in states like Florida, so a separate policy is often required to protect against hurricane loss. Other catastrophe coverages to consider include wind, hail, flood, tornado, and earthquake damage. Property insurance policies should be written on a replacement cost basis, rather than actual cash value, which is depreciated value. Replacement cost coverage provides that property will be repaired or replaced with like kind and quality at the time of loss. With an actual cash value policy, the association would receive an amount equal to the depreciated value of the component. The association’s insurance professional should review the governing documents to ensure the coverage meets the CC&Rs insurance requirements.

limit of $2 million per occurrence for communities with up to 100 homes or units. That minimum is $3 million per occurrence for larger communities. If these minimum limits are in place, any legal action must be filed against the association. If coverage falls below these minimum limits, legal action can be filed against each individual owner. A slip-and-fall claim is the most common occurrence addressed by GL. Other allegations include property damage to a home or neighboring property caused by the association’s asserted failure to maintain common area components, such as sprinklers or drains. GL is one of the association’s key defensive positions, helping protect the community when an unexpected claim comes its way.

GENERAL LIABILITY (GL) INSURANCE General liability insurance is another required coverage and protects the association against claims of bodily injury and property damage occurring in the common area. The Davis-Stirling Common Interest Development Act (DSA) suggests a minimum

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DIRECTORS & OFFICERS (D&O) LIABILITY INSURANCE D&O liability insurance is generally required coverage, though some governing documents make it optional. It is recommended that a policy be in place before serving on a board of directors. This is how a board member’s personal liability is protected when making decisions on behalf of the association. Like GL, the DSA suggests minimum limits for D&O policies. Communities with up to 100 homes or units should maintain at least $500,000 per occurrence, and larger communities should maintain at least $1 million per occurrence. Most commonly, the GL and D&O limits will be the same for simplicity and continuity. Duly elected board members and committee members appointed by the board are considered insureds. Everyone should be a volunteer. Coverage does not apply to board members who are compensated. Compensation that may

HOA Living | JULY, 2026

trigger a coverage issue could include a gift card or even something non-monetary. The important thing to remember is that service by members of the board must remain completely voluntary. Among other things, the insurance carrier will provide defense and pay judgment or settlement amounts for allegations of wrongful acts, breach of duty, and failure to enforce the CC&Rs. Ideally, the policy will include coverage for failure to procure adequate insurance, defense costs outside the limit of liability, and non-monetary claims.

CRIME/FIDELITY INSURANCE Maintaining appropriate crime/ fidelity insurance is a requirement of the DSA and is always a requirement for a member’s sale or refinance of their unit or home. The DSA and lenders require a limit at least equal to the total of three months’ assessments, including reserve contributions. In addition, the DSA requires a computer fraud and funds transfer fraud limit equal to the limit of coverage for theft. If the association uses a community management company, crime/fidelity coverage needs to include

coverage for acts by the managing agent as if they were also an employee of the association. The insurance carrier will indemnify the association for financial loss via theft, fraud, or embezzlement. It is worth noting that the association must complete the forensic accounting, including informing authorities, in order to validate the claim of loss. Limits of crime/fidelity insurance vary based on the CC&R requirements, with the most common being the limit required by the DSA and lenders. The association’s insurance professional should compare the CC&R requirements with other requirements and recommend a limit matching the more conservative figure.

UMBRELLA/EXCESS LIABILITY Umbrella/excess liability is rarely a requirement of the governing documents. The policy provides additional liability insurance over the GL and D&O policies. Few carriers offer GL limits higher than $3 million per occurrence or D&O limits higher than $1 million per occurrence. If the governing document-required limits, or those required by state regulation, are higher than what can be offered by the underlying carrier,

an umbrella policy is necessary to reach those requirements. In addition, umbrella/excess liability insurance can be used to increase limits to meet the risk tolerance of a board of directors. For example, the board of a small single-family home community may satisfy legal requirements with a $2 million per occurrence limit, but the board of a large master-planned community with liability exposures like a lake, streams, or athletic facilities may want higher limits for additional peace of mind. Think of it as adding depth to the bullpen. It may not be used every day, but when the pressure is on, it can make all the difference.

WORKERS’ COMPENSATION INSURANCE Workers’ compensation, or work comp, insurance is a requirement for any association that has employees. Coverage includes medical costs and lost income for workplace injuries. It is also considered best practice to maintain an “if-any” work comp policy even if the association does not actually employ individuals. If a vendor’s work comp carrier denies a claim, the association may be considered the employer of the vendor’s employee. The work comp policy protects the association from this rare but real exposure.

OTHER COVERAGE TO CONSIDER If not included in other policies purchased, and depending on exposure, a board of directors should consider coverage for equipment breakdown, pollution liability, cyber theft and cyber liability, commercial auto insurance, or specific event liability. A strong risk management program is not built around one all-star player. It takes the full lineup: avoiding, controlling, transferring, and accepting risk. If something cannot be avoided, controlled, or transferred, it becomes an accepted risk, and the association will need to address expenses related to that exposure. Industry professionals specializing in common interest developments can help identify which exposures exist and make recommendations to limit the risks accepted by the association. John Schuknecht CMCA, AMS is a former community manager who currently works as an Account Executive for LaBarre/ Oksnee Insurance. John can be reached at 657-207-4789 or JohnS@ hoa-insurance.com

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All Stars in Action: Protecting HOA Water Features Through Advanced Waterproofing By Felicia Bustos

or many homeowners’ associations, fountains or decorative water features serve as visual anchors within the community. While they enhance curb appeal and the resident experience, they also present significant maintenance responsibilities, particularly when waterproofing systems begin to fail. This residential fountain restoration highlights the importance of proactive, system-based repairs when water features are integrated near structural elements.

A multi-layer waterproofing assembly was then installed to create a continuous, durable barrier designed for constant water exposure. Reinforcement at critical zones helped ensure long-term system performance under demanding conditions.

THE RISK FOR HOAS When fountain waterproofing fails, the impact can extend beyond aesthetics. Common issues include: • Water intrusion into adjacent structures or hardscape • Concrete deterioration and cracking • Staining, efflorescence, and visible surface damage • Escalating long-term repair costs if left unaddressed For HOA-managed properties, these issues can quickly affect both reserve planning and resident satisfaction.

THE RESTORATION APPROACH The project began with full removal of failed coatings and careful preparation of the concrete substrate to ensure proper adhesion of the new waterproofing system. A vapor-control primer was applied to manage moisture within the concrete, followed by reinforced detailing at cold joints, penetrations, and transition areas most vulnerable to leakage.

HOA Living | JULY, 2026

“Fountain and water feature failures are rarely surface-level issues; they are system failures that require comprehensive repair strategies.”

KEY TAKEAWAY FOR COMMUNITY ASSOCIATIONS Fountain and water feature failures are rarely surface-level issues; they are system failures that require comprehensive repair strategies. For HOA boards and managers, the priority should be: • Early identification of leaks or coating failure

Consistent monitoring and preventive maintenance will further ensure the system continues to perform as designed, protecting both the aesthetic and structural integrity of the amenity for years to come.

• Proper inspection of joints and transitions • Use of integrated waterproofing systems, not patch repairs • Engaging qualified professionals for full-system restoration

PROTECTING COMMUNITY ASSETS Well-maintained water features enhance property value and community identity. With proper waterproofing design and maintenance, HOAs can preserve these amenities while avoiding costly structural impacts. This project underscores the value of addressing water intrusion at its source.

“Well-maintained water features enhance property value and community identity while helping HOAs avoid costly structural impacts.”

LONG-TERM PERFORMANCE & VALUE Beyond immediate restoration, the upgraded system provides improved resistance to UV exposure, chemical treatment, and continuous water cycling. This significantly reduces ongoing maintenance demands while extending the service life of the fountain structure. For HOAs, this means fewer emergency repairs, more predictable reserve planning, and a stronger return on long-term capital improvements. Consistent monitoring and preventive maintenance will further ensure the system continues to perform as designed, protecting both the aesthetic and structural integrity of the amenity for years to come. Felicia Bustos is the Business Development Representative at WICR Inc. Waterproofing & Construction. She is passionate about building relationships and helping communities find reliable waterproofing, deck coating, and reconstruction solutions. If you ever need support or simply want to connect, feel free to reach out she would love to chat! Contact Felicia at marketing@wicr.net or 760-835-5674. CAI-CV.org

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Beyond the Bid: How HOA Boards Should Evaluate Security Providers

By Britain L. Rome

electing a security provider is one of the most important decisions the HOA Board can make. While price is often a key consideration in the RFP process, experienced Boards recognize that the true value of a security program lies in service quality, accountability, communication, and the provider's ability to protect residents, assets, and the community's reputation. Before awarding a contract, Boards should look beyond hourly rates and evaluate providers in the following critical areas.

WORKFORCE STABILITY A security program is only as effective as the officers assigned to the community. High turnover can negatively impact service consistency, resident relationships, and overall performance.

KEY CONSIDERATIONS: • Employee retention and turnover rates • Recruitment and screening practices • Background investigations and hiring standards • Coverage plans for call-offs and emergencies • Dedicated versus shared personnel

"A SECURITY PROGRAM IS ONLY AS EFFECTIVE AS THE OFFICERS ASSIGNED TO THE COMMUNITY. HIGH TURNOVER CAN NEGATIVELY IMPACT SERVICE CONSISTENCY, RESIDENT RELATIONSHIPS, AND OVERALL PERFORMANCE." TRAINING & PROFESSIONAL DEVELOPMENT Security officers are often the most visible representatives of a community's safety program. Proper training ensures they can respond professionally, communicate effectively, and manage incidents with confidence. 18

HOA Living | JULY, 2026

Evaluation: • Initial and ongoing training programs • Site-specific onboarding • Emergency response preparedness • Customer service and conflict resolution training • Leadership and supervisory development

MANAGEMENT OVERSIGHT Strong management involvement is often what separates exceptional providers from average ones. Boards should understand: • Frequency of management and supervisory visits • Service issue escalation procedures • Performance review processes • Executive accessibility and involvement

BEYOND PRICE: FOCUSING ON LONG-TERM VALUE While cost matters, selecting the lowest bidder can lead to service inconsistencies, higher turnover, and increased risk. The most successful HOA Boards evaluate providers based on their ability to deliver quality personnel, strong leadership, innovative technology, and proactive communication.

"SECURITY IS NO LONGER SIMPLY A VENDOR SERVICE; IT IS A STRATEGIC INVESTMENT IN RESIDENT SAFETY, COMMUNITY REPUTATION, AND QUALITY OF LIFE."

TECHNOLOGY & TRANSPARENCY Modern security programs should provide real-time visibility and accountability. Consider: • Incident reporting capabilities • GPS patrol verification • Real-time reporting access • Mobile inspection tools • Analytics and performance dashboards

EMERGENCY PREPAREDNESS A provider's capabilities are often tested during critical incidents. Evaluation: • Emergency response procedures • Business continuity planning • Surge staffing capabilities • Crisis communication protocols • Disaster recovery resources

MEASURING PERFORMANCE Successful partnerships are built on measurable results. Providers should clearly demonstrate how they monitor performance and drive continuous improvement. Ask: • How is success measured? • Which KPIs are tracked? • How are deficiencies identified and corrected? • What reporting supports ongoing improvement?

One of the most revealing questions a Board can ask is: "How will you define success during the first 90 days of our partnership?" The answer often reveals whether a company is focused on winning a contract—or earning a long-term partnership. Security is no longer simply a vendor service; it is a strategic investment in resident safety, community reputation, and quality of life. Boards that conduct a thorough evaluation process are best positioned to select a provider capable of delivering measurable results and lasting value. Recommended RFP Evaluation Criteria • Staffing & Retention: 30% • Management & Supervision: 25% • Technology & Reporting: 20% • Experience & References: 15% • Price: 10% If you have any questions contact Britain L. Rome is the Business Development Manager with the Inland Empire Division, Allied Universal® Security Services. You can reach Britain at Britain.rome@aus.com or call (714) 453-7450. CAI-CV.org

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Water Intrusion 101 Featured Guest Speakers Mark Guithues, Esq. Community Legal Advisors

Patrick Prendeville, CIRMS Prendiville Insurance Agency

THANK YOU! Trade Show Booth Exhibitors

Accurate Turmite and Pest Control Adam Sterling Behr Paint BRS Roofing Cooper Coatings Gardener Outdoor Fision Optics by Hotwire Khatri International NPG Asphalt O'Linn Security Patio Shoppers Pipe Restoration Solutions Precision Construction & Painting SBS Lien Services Signarama Southwest Landscape Southwest Security Western Appliance Bank WICR Inc. Waterproofing & Construction

Name Badge & Lanyard Sponsor

Southwest Landscape & Maintenance

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HOA Living | JULY, 2026

CAI- CV EDUCATIONAL PROGRAM & MINI TRADE SHOW THURSDAY, JUNE 18, 2026 | AT PALM VALLE Y COUNTRY CLUB

AI-CV Hosts Water Intrusion 101 Educational Lunch Program On Thursday, June 18, CAI-CV welcomed members and guests to Palm Valley Country Club for an engaging Educational Lunch Program focused on an issue that impacts communities throughout the Coachella Valley: water intrusion. The program, Water Intrusion 101, was presented by Mark Guithues, Esq. of Community Legal Advisors and Patrick Prendeville, CIRMS of Prendiville Insurance Agency. Together, they provided valuable insight into the legal, insurance, and practical considerations community associations should understand when dealing with water-related claims, damage, maintenance responsibilities, and risk management. Water intrusion can create significant challenges for homeowner associations, boards, managers, and residents. From identifying the source of a leak to understanding responsibility, insurance coverage, documentation, communication, and next steps, these situations often require timely action and informed decision-making. The presentation helped attendees better understand how associations can approach water intrusion issues with greater clarity, preparation, and confidence. In addition to the educational program, attendees had the opportunity to connect with industry professionals, visit with exhibitors, and strengthen relationships with fellow CAI-CV members. The luncheon provided an important space for community managers, homeowner leaders, business partners, and service providers to network, exchange ideas, and learn from one another. Programs like this ref lect CAI-CV’s ongoing commitment to providing practical education that supports the real-world needs of common interest developments. By bringing together legal professionals, insurance experts, managers, board members, and business partners, CAI-CV continues to create opportunities for our members to stay informed, connected, and prepared. Thank you to our speakers, exhibitors, sponsors, attendees, and volunteers who helped make the June Educational Lunch Program a valuable and successful event.

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Understanding Potassium's Role in Fruit Tree Health By Thomas Guarneri

otassium is one of the most important nutrients for fruit tree growth and productivity. While nitrogen and phosphorus often receive the most attention in fertilization programs, potassium plays a critical role in fruit quality, water regulation, enzyme activity, and overall tree resilience. Understanding how potassium functions within a tree can help homeowners and landscape managers make more informed decisions about tree care and fertilization.

STOMA OPEN chloroplast

epidermal cell

inner thick wall

outer thin wall

SUGAR MOVEMENT AND FRUIT DEVELOPMENT Photosynthesis occurs primarily in the leaves, which botanists refer to as "source tissue." During this process, leaves produce sucrose, the primary sugar transported throughout the tree. The more sucrose produced and successfully transported, the more sugar becomes available to developing fruit, known as "sink tissue." The movement of sugars depends on the phloem, the vascular tissue responsible for transporting nutrients from the leaves to fruits, roots, and growing shoots. Potassium plays a key role in this process. Potassium ions help create the pressure gradients necessary for sugar transport by increasing solute concentrations within the phloem, which draws in water and generates the pressure needed to move sugars throughout the tree. When potassium levels are deficient, trees often struggle to move sugars efficiently, which can negatively affect fruit sweetness, size, and overall yield. 22

HOA Living | JULY, 2026

nucleus vacuole guard cells

stomatal pore

CHLOROPHYLL PRODUCTION AND ENZYME ACTIVATION Potassium indirectly contributes to chlorophyll production by supporting the uptake and transport of nutrients, such as magnesium, which is essential for chlorophyll synthesis. Adequate potassium levels help maintain healthy leaf function and photosynthetic activity. In addition, potassium serves as a cofactor for more than 60 enzymes within the tree. By helping enzymes achieve their active forms, potassium supports numerous metabolic processes, including protein synthesis, starch production, and ATP generation, the primary energy currency of plant cells. Potassium also helps maintain proper cellular pH levels, creating conditions that allow these enzymes to function efficiently.

WATER REGULATION AND STRESS TOLERANCE One of potassium's most important functions is regulating water movement within the tree through structures called stomata, tiny openings on leaf surfaces that control gas exchange and water loss. Potassium helps regulate the opening and closing of stomata by controlling ion and water movement within specialized guard cells. As potassium enters these cells, water follows, causing the cells to expand and the stomata to open. As potassium levels change, the stomata close, helping the tree manage water use in response to environmental conditions. This process influences the tree's ability to cool itself, exchange gases, and maintain overall water balance. Proper potassium nutrition can improve a tree's ability to withstand drought, heat, and other environmental stresses. Potassium also contributes to stronger cell walls by supporting cellulose production. Stronger cell walls help trees resist certain pathogens, improve structural integrity, and better support the weight of developing fruit while withstanding wind and other physical stresses.

THE LUXURY CONSUMPTION EFFECT Plants possess a unique ability known as the "luxury consumption effect," which allows them to absorb and store more potassium than is immediately required for growth. These reserves can be held within plant tissues and utilized when needed. While this ability can help plants maintain adequate nutrient levels, excessive potassium applications should still be avoided. Over-fertilization may interfere with the availability of other important nutrients, particularly calcium and magnesium, potentially creating nutrient imbalances. Because potassium plays such a central role in fruit development, water regulation, and stress tolerance, maintaining adequate levels is an important component of any fertilization program. This is particularly relevant in many Southern California soils, where potassium deficiencies are relatively common.

Thomas Guarneri is a Certified Arborist and plant science professional with several years of experience in tree care, nutrition, and fruit tree management. He serves as with Southwest Landscape and Maintenance, where he specializes in science-based tree care and landscape management throughout Southern California. You can reach Thomas at Southwest Landscape and Maintenance at 760-347-3388 or visit their website.

SUPPORTING LONG-TERM TREE HEALTH Potassium is essential for fruit quality, sugar movement, water regulation, enzyme activity, and overall tree resilience. Trees with adequate potassium nutrition are generally better equipped to produce quality fruit, withstand environmental stress, and maintain healthy growth over time. Regular soil testing and a balanced fertilization program can help ensure fruit trees receive the nutrients necessary for long-term productivity and health.

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The New Cost of Roofing in Palm Springs- What in the APN Is Going On? By Jessica Bond

have a confession to make; I did not have "becoming a municipal permit fee detective" on my 2026 bingo card. Yet here we are. As business partners serving homeowner associations throughout the Coachella Valley, we have seen firsthand that protecting a community goes far beyond any single project or service. It involves collaboration among community managers, volunteer board members, reserve analysts, contractors, and industry professionals who all share a common goal: protecting and preserving the communities that residents call home. That's exactly why this issue caught my attention. At first glance, this may sound like a contractor problem, but the deeper I dug, the more I realized this isn't a roofing story at all. This is a community story. Over the past several weeks, conversations have been unfolding surrounding permit fees within the City of Palm Springs, specifically as they relate to multifamily reroofing projects throughout homeowner associations. Now, I know what you're thinking.

HOA Living | JULY, 2026

Permit fees? Really, Jessica? I know. Stay with me. Because this affects far more people than you may realize. According to information we've received from the City of Palm Springs, changes to the implementation of permit fees went into effect in January 2026. Under the City's current interpretation, many multifamily reroofing projects are being assessed on a per-parcel, or APN, basis rather than solely by building. Now, before everyone's eyes glaze over, let me simplify that. Imagine your HOA has one building with ten condominium units underneath one shared roof. Most people would naturally think there would be one building, one roof, one project, and one permit. Simple enough, right? Well... not exactly. If each condominium unit has its own APN (Assessor Parcel Number), permit fees may be assessed for each parcel, even though everyone shares the same roof structure. Then layer on additional fees. There are reroofing fees, permit issuance fees, Senate Bill fees, technology fees, and valuation-based

fees that may also apply, depending on the project. Suddenly, what communities have historically viewed as an administrative expense can become a substantial budget item. And that's where everyone collectively says, "Wait... what?" Because we're not talking about a few hundred dollars anymore. We're talking about costs that could increase project budgets by tens of thousands of dollars. As I started asking questions, I quickly realized I wasn't the only one trying to understand what was happening. I

"More importantly, what should communities realistically expect to pay to remain both cityand state-compliant moving forward?" began reaching out to board members and property managers with whom RB Roofing has built long-standing relationships over the years to better understand the practical side of this issue. What are reserve analysts currently budgeting for?

What assumptions are boards making as they plan future capital improvement projects? More importantly, what should communities realistically expect to pay to remain both city- and state-compliant moving forward? These aren't small questions. HOA communities rely heavily on long-term financial planning, and even modest changes can significantly impact reserve studies, future budgets, and project timelines. The issue isn't necessarily the existence of permit fees; it's understanding what communities should budget for so they can plan responsibly without being blindsided by unexpected costs years down the road. Every single person I spoke with agreed that this conversation is bigger than any one project, contractor, or community. This is about creating predictability so boards can make informed decisions, reserve analysts can accurately forecast future expenses, community managers can properly advise their associations, and homeowners aren't caught off guard by costs they never anticipated. Over the past several weeks, I've also had multiple conversations with Gene Gonzalez, Permit Center Technician for the City of Palm Springs, and Kevin O'Flaherty, Acting Plans Examiner Supervisor with the City of Palm Springs Building and Safety Division. Both have been generous with their time, helping me understand the City's position, permit methodology, and how these

fees are currently being interpreted and applied to multifamily reroofing projects. Whether I agreed with the outcome or not, I genuinely appreciated their professionalism, responsiveness, and willingness to openly discuss a topic that is impacting so many communities.

"He recently submitted a letter to Palm Springs leadership explaining how attached housing communities can be disproportionately impacted when one shared roof is effectively treated as dozens of individual projects. His message wasn't adversarial." I also want to recognize the Desert Valley Builders Association, which continues to gather information, speak with stakeholders, and facilitate conversations as everyone works toward understanding the long-term implications these changes may have on our communities. One example that really stood out to me came from Dr. Brian Earp, President of Villa Caballeros HOA. He recently submitted a letter to Palm Springs leadership explaining how attached housing communities can be disproportionately impacted when one shared

roof is effectively treated as dozens of individual projects. His message wasn't adversarial. It wasn't about avoiding regulations. It was a request for balance and a reminder that behind every permit fee are real homeowners trying to preserve the communities they call home. There has also been encouraging movement over the past week. Concerns have now reached city leadership, and Palm Springs City Manager Scott Stiles recently responded, stating that additional city officials would review the fee structure to determine whether everyone is interpreting the current methodology correctly, and would then communicate findings back to council members. To me, that's exactly what should happen. People should ask questions. Cities should provide clarity. Stakeholders should come together. That's how solutions are built. I also want to make one thing abundantly clear: this article is not an invitation for contractors or communities to circumvent the permitting process. In my conversations with city staff, the City's position was very clear. Contractors who proceed without obtaining the proper permits may incur double permit fees and additional consequences for noncompliance. Skipping permits is not the solution. The goal isn't to avoid the rules. The goal is to ensure the rules are fair, transparent, predictable, and sustainable for everyone involved.

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HOAs are already facing rising insurance and labor costs, aging infrastructure, inflation, and difficult reserve-planning decisions. Volunteer board members are being asked to make incredibly challenging financial decisions every single day. Reserve analysts are trying to forecast years ahead, and community managers are balancing countless moving pieces. Adding substantial permitting costs doesn't simply impact a contractor's proposal. It impacts every homeowner, every reserve study, every future project, and ultimately every person who calls these communities home. The truth is, there are still many unanswered questions. How quickly can changes happen? Will changes happen at all? Based on the information we've received thus far, modifications to the current structure may require additional review through the Board of

Appeals process, but conversations are still ongoing. And perhaps the biggest question of all: what happens to the communities that have already paid these fees? Would there be refunds, credits, or no adjustments at all? The answer today is simple: we don't know yet. What we do know is that stakeholders are continuing to come to the table, conversations are moving forward, and there is a collective desire to better understand the long-term impact these policies may have on our communities. This story is still unfolding. And this article is simply the beginning. Because at the end of the day, this isn't about roofs. It's not about contractors. It's not even about permit fees. It's about communities. And communities work best

when everyone participates in the conversation. Jessica Bond is the Co-Owner of RB Roofing LLC, a family-owned and veteran-owned roofing company proudly serving the Coachella Valley and surrounding communities. Alongside her husband, Ryan Bond, she is passionate about educating homeowners, HOA communities, and property managers while building meaningful relationships through advocacy, community involvement, and exceptional customer service. RB Roofing specializes in residential, commercial, and HOA roofing solutions with a focus on quality workmanship, responsiveness, and helping clients make informed decisions about protecting their properties. Jessica can be reached by calling (760) 898-2434 or for more information visit rbroofingllc. com

"What we do know is that stakeholders are continuing to come to the table, conversations are moving forward, and there is a collective desire to better understand the long-term impact these policies may have on our communities."

HOA Living | JULY, 2026

Checking Your Irrigation System for the Summer

By Coachella Vally Water District

ummer has arrived, bringing daily triple-digit temperatures and increased water demand to the region. With July recognized as Smart Irrigation Month, now is the ideal time to check your irrigation system for maximum water efficiency. With nearly 70 percent of residential water use in the Coachella Valley going to outdoor irrigation, it is important to be mindful of our usage.

To keep your system in top condition, check the following for issues: • Leaking irrigation valves • Clogged sprays or drip nozzles • Dry spots in your landscape • Broken or missing sprinklers • Poor sprinkler coverage or sprinklers incorrectly aimed • Overwatering • Unnecessary irrigation run times When your irrigation system functions correctly, it not only reduces water waste but also helps keep your lawn healthy and vibrant. CVWD offers rebates on a variety of smart irrigation devices designed to help you achieve your landscaping goals, including:

Hunter Pro-C Solar Sync Smart Irrigation Controller Customers can apply for a free weather-based smart controller that automatically adjusts an irrigation system’s run time based on weather data. A CVWD representative will install the device at no cost. Using a smart controller reduces water use during cooler months and increases it in the summer.

Rachio Smart Sprinkler Controller (SelfInstall) By using Rachio with a smart watering app, customers can control their sprinklers from anywhere with their mobile device and receive predictive watering schedules that adjust to local weather conditions. Available at a discounted rate, Rachio provides a smarter way to water.

Flume Smart Home Water Monitor (SelfInstall) Flume monitors a home's indoor and outdoor water use 24/7 and notifies customers instantly if it detects a leak. CVWD customers can get a Flume Smart Home Water Monitor for only $85, plus tax and shipping (regularly $249), after a discount and rebate. To learn more, visit cvwd.org/rebates. To stay current with CVWD news, visit cvwd.org. CAI-CV.org

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CAI- CV CELEBRATES COMMUNIT Y ASSOCIATION MANAGERS THURSDAY, JUNE 11, 2026 | AT LE FE WINE BAR

CAI-CV Celebrates Community Association Managers

n Thursday, June 11, CAI-CV hosted a special CAM Appreciation Reception at Le Fe Wine Bar to recognize and celebrate the dedicated Community Association Managers who help keep our communities running every day. The reception was held in honor of International Community Association Manager Day, recognized on June 13, and served as an opportunity for CAI-CV to say a heartfelt thank you to the professionals who work tirelessly behind the scenes to support homeowner associations throughout the Coachella Valley. Community Association Managers play an essential role in the success of common interest developments. They guide volunteer boards, coordinate vendors, communicate with homeowners, respond to emergencies, manage budgets, support compliance, and help communities plan for both immediate needs and long-term success. Their work often requires patience, professionalism,

HOA Living | JULY, 2026

CAI- CV CELEBRATES COMMUNIT Y ASSOCIATION MANAGERS THURSDAY, JUNE 11, 2026 | AT LE FE WINE BAR

problem-solving, and a deep commitment to the communities they serve. The CAM Appreciation Reception brought managers, business partners, and industry colleagues together in a relaxed setting to connect, unwind, and celebrate the important work being done throughout our valley. It was a reminder that while community management can be demanding, managers are not doing this work alone. CAI-CV is proud to provide education, resources, advocacy, and a professional network that supports managers at every stage of their career. We are grateful to every Community Association Manager who shows up each day with dedication, leadership, and a commitment to helping communities thrive. Your work matters, your professionalism makes a difference, and your impact is felt throughout the neighborhoods and associations you serve. Thank you to everyone who joined us at Le Fe Wine Bar, and most importantly, thank you to our Community Association Managers for all that you do for our communities, our industry, and CAI-CV.

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HOA Living | JULY, 2026

JULY 2026

CAI-Sacramento Advocacy Update

he California Legislature is charging ahead in 2026, and community associations around the state are keenly watching. After CAI-CLAC Advocacy Days, when over 70 members met at the Capitol, several significant bills are progressing in the legislative pipeline. Let us explain what is being considered and how it could impact your community. AB 2050: One of the most impactful proposals is AB 2050, which mandates that reserve studies disclose the minimum annual contribution required to prevent reserves from going negative over a 30-year horizon. Having passed the Assembly Housing and Community Development Committee and the Assembly Judiciary Committee with bipartisan backing, this move indicates that legislators from both parties have recognized the importance of long-term financial planning for communities. AB 1892 Power outages: Who should take care of turning the utilities back on? AB 1892 actually settles this issue of an HOA's responsibility to reconnect the gas, heat, water, or electrical service interrupted in common areas. Together with that, it upgrades election procedures by setting the time for an electronic secret ballot notice to 30 days, and for an acclamation election notice to 30 days only, instead of 90 days. It has sailed through both Assembly committees and is now awaiting a House Floor vote in the Assembly. AB 2579, which is an amendment to the previously enacted AB 130, spells out more precisely the kind of fines over the $100 limit that associations may impose in particular,

violations that affect health and safety. Board members have been resistant to the restrictions of this limit when they have had to deal with major breaches of rules, and this piece of legislation is giving them some pinpoint assistance. It has passed both Assembly committees and is waiting for the Assembly Appropriations Committee vote. SB 1007, by far the most controversial bill of the year, would ban associations from increasing regular assessments without members' consent and would limit any such increase to the inflation-adjusted amount of the previous year. While consumer advocates see this as a safeguard against arbitrary fees, CAI-CLAC has expressed concerns and even suggested amendments. The bill has passed the Senate Housing and Judiciary Committees and is waiting for a Senate Floor vote. SB 1238 intends to impose additional seller disclosure requirements, including details on exterior building components and units in urgent need of repairs, which might make real estate transactions in CID communities more complicated. The bill is up for consideration before the Senate Appropriations Committee. AB 1684 would make any HOA rule prohibiting the installation or upgrade of cooling systems ineffective. With summers in California getting hotter, the bill addresses how much authority an association should have visà-vis homeowner comfort. CAI-CLAC is "oppose unless amended" with this one. Stay connected at caiclac.com for updates on all active legislation.

YOUR ASSOCIATION CAN MAKE A DIFFERENCE WITH THE BUCK A DOOR PROGRAM

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Bringing National Perspective Home to the Coachella Valley By: Holly Smith, PCAM Executive Director CAI-CV

ach year, CAI’s National Conference offers more than education sessions, keynote speakers, industry updates, and networking opportunities. It offers perspective. This year in Fort Lauderdale, I had the opportunity to connect with CAI leaders, chapter executives, community managers, business partners, attorneys, homeowner leaders, and industry professionals from across the country. While each chapter serves a different market and each community faces its own unique challenges, the conversations were remarkably familiar. How do we better support the volunteer board members? How do we help managers continue to grow professionally in an increasingly complex industry? How do we prepare communities for rising costs, changing legislation, insurance concerns, deferred maintenance, reserve chal"I BROUGHT HOME lenges, and the growing CONFIRMATION THAT need for better communiTHE WORK WE ARE cation with homeowners? DOING HERE IN THE What I brought home COACHELLA VALLEY from National was not just MATTERS." information. I brought home confirmation that the work we are doing here in the Coachella Valley matters. Homeowners’ associations are an essential part of community life in our valley. They are where people live, volunteer, serve, invest, and build relationships. Behind every association are volunteer board members making difficult decisions, community managers balancing daily operations with long-term planning, business partners providing critical expertise, and homeowners who want to understand how their communities function and how decisions are made. The strength of CAI has always been its ability to bring these groups together. At the national level, that mission is clear. Across the country, CAI is focused on education, advocacy, professionalism, leadership development, and strengthening the community association housing model. At

HOA Living | JULY, 2026

"WE ARE NOT SIMPLY

the local level, CAI-CV can HOSTING PROGRAMS. bring that mission directly WE ARE CREATING into the communities we SPACES WHERE PEOPLE serve. CAN LEARN FROM That is what makes our ONE ANOTHER, ASK chapter’s work so important. BETTER QUESTIONS, Every educational lun- BUILD STRONGER cheon, board member RELATIONSHIPS, AND workshop, city partnership, MAKE MORE INFORMED committee meeting, net- DECISIONS FOR THEIR working event, magazine COMMUNITIES." article, and advocacy effort serves a larger purpose. We are not simply hosting programs. We are creating spaces where people can learn from one another, ask better questions, build stronger relationships, and make more informed decisions for their communities. The conversations at National reinforced something I see every day in our own chapter: the challenges facing HOAs are not getting simpler. Boards are being asked to understand more. Managers are being asked to do more. Business partners are being asked to provide not just services, but guidance and solutions. Homeowners are asking more questions and expecting greater transparency. That reality makes education and connection more important than ever. As we look ahead, CAI-CV will continue to focus on programs that provide practical value to our members and the communities throughout the Coachella Valley. We will continue supporting community managers as professionals. We will continue creating resources for board members and homeowner leaders. We will continue working with cities to strengthen the connection between local government and HOA communities. We will continue advocating for common-sense solutions that protect the long-term health of associations. And just as importantly, we will continue building a chapter where people feel connected to something larger than their own individual role. One of the most valuable parts of attending the

National Conference is being reminded that we are part of a much larger industry and mission. The work underway in the Coachella Valley is connected to conversations across California and the country. Our challenges are shared. Our ideas matter. Our participation has value. That is why showing up matters. When members attend programs, serve on committees, invite board members to participate, sponsor education, share expertise, mentor others, or simply take the time to be part of the conversation, they help strengthen not only CAI-CV but the communities we all serve. I returned from Fort Lauderdale encouraged, energized, and proud of the direction our chapter is moving. We have momentum. We have committed volunteers. We have engaged business partners.

"THE FUTURE OF COMMUNITY ASSOCIATION LIVING WILL REQUIRE INFORMED LEADERSHIP, PRACTICAL EDUCATION, STRONG PARTNERSHIPS, AND A WILLINGNESS TO WORK TOGETHER." We have professional managers who care deeply about their work. We have homeowner leaders who want to learn. And we have an opportunity to keep building something meaningful together. The future of community association living will require informed leadership, practical education, strong partnerships, and a willingness to work together. That is exactly what CAI-CV is here to do. Thank you to every member, volunteer, sponsor, speaker, committee leader, manager, board member, and business partner who continues to invest in this chapter and in the communities of the Coachella Valley. The work we do locally is part of something much bigger, and I am grateful to be part of it with you. Holly Smith has been in the property management industry for over 20 years throughout Southern California. Holly is currently Executive Director of Comunity Associations Institute of Coachella Valley. Holly can be reached by calling (760) 341-0559 or email holly.smith@cai-cv.org.

COMMUNITIES THRIVE BECAUSE OF THE PEOPLE WHO LIVE AND WORK IN THEM. CAI wants to hear your story. Whether it is a neighbor lending a hand, a shared moment that brought people together, or something that makes your community feel like home, we want to hear what makes it special. Tell your story and share why you #LoveWhereYouLive and #LoveWhereYouWork. #WeAreCAI

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CAI- CV COMEDY NIGHT | FRIDAY, JUNE 26, 2026 AT SUN CIT Y PALM DESERT–VENTANA

AI-CV’s Comedy Night brought the laughs, the energy, and the kind of fun you only get when a room full of community association professionals lets loose for the evening. Held at Sun City Palm Desert, the event featured professional comedians Jason Love & Friends, including Don Friesen, Samantha Hale, and Jamie Kaler, who had the audience laughing from start to finish. From the moment the show began, it was clear this was not your average chapter event. The comedians delivered sharp, relatable, and genuinely hilarious performances that had attendees rolling in their seats and enjoying a much-needed night of laughter, connection, and fun. The room was filled with great energy, and the shared laughter made it one of those events people will be talking about long after the final joke. Guests also enjoyed time to mingle, appetizers, and the opportunity to connect with fellow CAI-CV members in a relaxed and memorable setting. A sincere thank you goes to Sun City Palm Desert for hosting us and helping provide the perfect setting for this special evening. We also extend a special thank you to Julie Balbini of Fiore Racobs & Powers for generously providing entrance tickets for the event. For those who missed it, this was definitely one of those “you had to be there” nights. CAI-CV’s Comedy Night proved that when professional entertainment, great company, and a fun venue come together, the result is an unforgettable evening of laughter and community.

HOA Living | JULY, 2026

CAI- CV COMEDY NIGHT | FRIDAY, JUNE 26, 2026 AT SUN CIT Y PALM DESERT–VENTANA

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CAI- CV COMEDY NIGHT | FRIDAY, JUNE 26, 2026 AT SUN CIT Y PALM DESERT–VENTANA

THANK YOU SPONSORS

FOOD SPONSORS

SCHOLARSHIP SPONSORS

Association Reserves Sierra Dawn Estates Delphi Law Group

Guralnick, Gilliand and Garcia, LLP Spectrum Community Solutions Patrol Masters DOOR PRIZE SPONSORS Fiore, Facobs and Powers Titanium Security 36

HOA Living | JULY, 2026

BAR SPONSORS Hotwire Communications MC Builder Corp SIGN SPONSOR Signarama

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JULY FRIDAY

4TH OF JULY OBSERVED

ALL DAY

CLOSED

TUESDAY

BOARD CERTIFICATION PART 1

9:00 AM

ZOOM

THURSDAY

CAM SYMPOSIUM

TBD

FRIDAY

BOWLING NIGHT

5:30 AM

TBD

TUESDAY

BOARD OF DIRECTORS MEETING

3:00 PM

ZOOM

WEDNESDAY 5

EDUCATED BP CERT & RECEPTION

9:00 AM

ZOOM

TUESDAY

BOARD CERTIFICATION COURSE PART 2

9:00 AM

ZOOM

TUESDAY

BOARD OF DIRECTORS MEETING

3:00 PM

ZOOM

MONDAY

SUMMER SIZZLER

5:30 PM

SUN CITY PD

AUGUST

SEPTEMBER MONDAY

LABOR DAY

ALL DAY

CLOSED

TUESDAY

BMW

8:30 AM

ZOOM

FRIDAY

NETWORKING IN THE WILD

5:30

TBD

THURSDAY

EDUCATIONAL TRADE SHOW

11:00 AM

SUN CITY PD

TUESDAY

BOARD OF DIRECTORS MEETING

3:00 PM

ZOOM

CAI CEO-MC RETREAT

TBD

OCTOBER THURSDAY

EDUCATIONAL TRADE SHOW

11:00 AM

LIVING DESERT

FRIDAY

OKTOBERFEST

5:30 PM

TBD

TUESDAY

BOARD OF DIRECTORS MEETING

3:00

ZOOM

BMW AND HOMEOWNER LEADER RECEPTION

3:00 PM

CLASSIC CLUB

WEDNESDAY 28

NOVEMBER FRIDAY

FALL GOLF TOURNAMENT

1:00 PM

TBD

THURSDAY

LEGISLATIVE EXPO

9:00 AM

TBD

TUESDAY

BOARD OF DIRECTORS MEETING

3:00 PM

ZOOM

THURSDAY

THANKSGIVING HOLIDAY

26TH & 27TH

CLOSED

DECEMBER

FRIDAY

SIPS AND SHOTS

5:30 PM

TBD

FRIDAY

BMW

8:30 AM

ZOOM

THURSDAY

EDUCATION TRADE SHOW

11:00 AM

TBD

TUESDAY

BOARD OF DIRECTORS MEETING

3:00 PM

ZOOM

TUESDAY

CHRISTMAS OBSERVED

ALL DAY

OFFICE CLOSED

HOA Living | JULY, 2026

CAI-CV 2026 CALENDAR

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2026

LEADERSHIP THROUGH EDUCATION 49950 Jefferson Street, Suite 130-117 Indio, CA 92201

CAI-CV UPCOMING EVENTS SCAN QR OR CLICK TO SIGN UP SEPTEMBER

NOVEMBER

Educational Program and Mini Tradeshow WHEN: September 17, 2026, 11:00 AM WHERE: Sun City Palm Desert REGISTRATION TODAY

Legal Symposium and Expo WHEN: November 12, 2026 REGISTRATION TODAY

OCTOBER Galactic Bites & Brews WHEN: October 23, 2026, 5:30 PM to 9:00 PM WHERE: ProLandscape Nursery REGISTRATION TODAY

EVENT SPONSORSHIPS

2 0 2 6 C O R P O R AT E S P O N S O R S ADMIRALS CIRCLE

Associa Desert Resort Managment C.L. Sigler & Associates Fiore Racob & Powers Gardner Outdoor and Pool Hotwire Precision Construction Signarama Southwest Landscape Southest Security

COMMANDERS LOUNGE AMS Paving

BRIDGE CREW

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MISSION SUPPORTER Delphi Law Community Legal Advisors WICR Waterproofing Cooper Coating