WE WANT YOU TO PARTICIPATE IN THE INSURANCE TRENDS IMPACT SURVEY
Community associations are experiencing rising premiums, cancellations, and other coverage related issues with their community’s property and casualty policies.
These trends are impacting homeowners’ ability to sell their homes/condominiums due to mortgage underwriting issues and increases in assessments, special assessments, and more. In 2023, we conducted an Insurance Trends Impact Survey, and we’re updating the survey today. Please help us understand what you and your community/communities are experiencing by participating in this short survey so we can share the information with the industry and work with government officials to find solutions to these challenges.
PLEASE TAKE A FEW MINUTES TO PARTICIPATE IN THE SURVEY.
https://www.surveymonkey.com/r/9DD8YK7
This data helps CAI advocate for public policies supporting common interest communities. It also helps community associations benchmark their practices against other communities in their state and across the country.
Mr. Elbert Jarvis (571) 235-5420 jayj92260@gmail.com
Mr. Marcus Rivera, CMCA (760) 574-0363 marcusr@pgawest.org
NEW HOMEOWNER LEADERS
MESQUITE CANYON ESTATES
Mrs. Lesley Cline
Ms. Cynthia Schimpf
Mr. James Walker
MOUNTAIN VIEW BY MISSION LAKES HOMEOWNERS ASSOCIATION, INC.
Ms. Kasey Biggs
Ms. Carolyn Johnson
Mr. Jason Laudadio
Mr. Garrett Logan
Mr. Theodore Parker
SUN CITY SHADOW HILLS
Ms. Rhonda Ceccato
Mr. Bob Kagy
WATERCOLORS AT LA QUINTA HOMEOWNERS ASSOCIATION
Mr. Christopher Morgan
Ms. Karen Miles
RENEWING HOMEOWNER LEADERS
DESERT BREEZES CASAS
Ms. Jennifer Blair
Mr. Frank Kelty
Mr. Stanley Krause
Mr. Dion Preston
Mr. Patrick Queenen
EL DORADO PALM ESTATES COMMUNITY ASSOCIATION, INC.
Mr. Michael Albert
Mr. Reynaldo Bermudez
Mr. Gene Brake
Mr. Randy Brown
Mr. Pete Carroll
Ms. Diane Graham
Mr. Gaetan Gravel
Mr. Jeff Johnston
Mr. Michael Mazzuca
Mr. DeWayne Musick
Mr. Dave Nyberg
Mr. Joe Ratliff
Mr. Musick Sebastian
Mr. Michael Stemmeler
Mr. Harry Tripp
MIRALON COMMUNITY CORPORATION
Mr. Tony Banuelos
Mr. Bruce Juenger
Mr. Brad Shuckhart
Mr. Mike Walline
SUN CITY SHADOW HILLS
Ms. Linda Aasen
Ms. Agnes Kessler
Ms. Barbara Prezlock
Mr. Larry Siegel
SUNRISE COUNTRY CLUB HOMEOWNERS ASSOCIATION, INC.
Ms. Susan Christensen
Mr. Gary Clifton
Mr. Jeffrey Coultas
Mr. Harvey Harris
JENNIFER JAMES, ESQ. CHAIR
Partner & Managing Attorney of the Coachella Valley, Roseman Law, APC
ASHLEY LAYTON, CMCA, AMS, PCAM CO-CHAIR
Premier Community Association Management
MIKE TRAIDMAN
BOARD LIAISON
Mira Vista at Mission Hills HOA
SIERRA CARR, CMCA, AMS, CCAM, PCAM Associa Desert Resort Management
LILY ORTEGA Pro Landscaping Inc.
LONI PETERSON
CCAM-LS.ND.PM, CMCA, AMS, LSM, PCAM
JASON SAVLOV, ESQ. Adams | Stirling, PLC
JOHN SCHUKNECHT LaBarre/Oksnee Insurance
STEVEN SHUEY, PCAM Retired Community Manager
CHRIS SIGLER, B.S.C.E, CDT
C.L. Sigler & Associates, Inc.
HOLLY SMITH CAI-CV Executive Director
CREATIVE DIRECTOR & GRAPHIC DESIGNER
RODNEY BISSELL Bissell Design Studios, Inc. rodney@bisselldesign.com (714) 293-3749
PHOTOGRAPHY
MATTHEW LAWTON, CIC, CIRMS, EBP OCV Insurance Services matt@ocvinsurance.com 760-774-2099
JAY JARVIS jayj92260@gmail.com 571-235-5420
ARTICLE SUBMISSIONS OR ADVERTISING INFORMATION
HOALiving@cai-cv.org
SUBSCRIBER SERVICES
The Coachella Valley HOA Living Magazine is a publication expressly prepared for association leaders, managers and related business professionals of the Community Associations Institute. Members are encouraged to submit articles for publishing consideration. All articles accepted for publication in HOA Living are subject to editing and rewriting by the HOA Living Committee.
Guaranteed
and
Choose Educated Business Partners
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.
Katy Krupp, Fenton Grant Mayfield Kaneda & Litt, LLP
Matt Lawton, CIC, CIRMS, OCV Insurance Services
Larry Layton, Kirkpatrick Landscaping Services
Alison LeBoeuf, Sherwin-Williams
Mike Mastropietro, OCBS, Inc.
Chris Meyer, Asphalt MD's
Greg Morrow, Eagle Roofing Products
Fran Mullahy, Conserve LandCare
Bridget Nigh, BEHR Paints
Matt Ober, Esq., Richardson Ober DeNichilo LLP
Lily Ortega, Pro Landscape
Chet Oshiro, EmpireWorks
Mallory Paproth, SCT Reserve Consultants
Elisa Perez, Esq., Epsten, APC
Jay Powell, Ben's Asphalt
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 Become
Call the
or go to www.cai-cv.org for more information.
PRESIDENT
MARK DODGE, CMCA, AMS Branch President & CEO Associa Desert Resort Management
PAST PRESIDENT
JULIE BALBINI, ESQ.
Managing Attorney, CV Office, Fiore Racobs & Powers, A PLC
SECRETARY
BG (RET) GUIDO PORTANTE Director, Mira Vista at Mission Hills HOA
TREASURER
JOLEN ZEROSKI, CMCA VP, Regional Account Executive First Citizens Bank
DIRECTOR
CLINT ATHERTON, PCAM General Manager, Sun City Palm Desert
DIRECTOR
BRIAH CASTILLO, BUSINESS DEVELOPMENT Ivan’s Painting
DIRECTOR
MANDIE CHLARSON, PRINCIPAL NLB Consulting & Elections
DIRECTOR
BRUCE LATTA, CMCA Manager, Indio Properties/President, Desert Cities HOA Council
DIRECTOR
MICHELLE LOPEZ, CMCA, AMS Director of Community Management, Powerstone Property Mgmt.
DIRECTOR
LILY ORTEGA, CMCA Office Manager, Pro Landscape
DIRECTOR
MIKE TRAIDMAN President, Mira Vista at Mission Hills HOA Commissioner, CAMICB
CONTACT US
CAI Coachella Valley 49950 Jefferson Street, Suite 130-117 Indio, CA 92201 (MAIL ONLY) (760) 341-0559 | www.cai-cv.org
HOLLY SMITH Executive Director Holly.Smith@cai-cv.org
The materials contained in this publication are designed to provide our members with timely and authoritative information; however, the CAI Coachella Valley Chapter is not engaging in the rendering of legal, accounting or other professional types of services. The Coachella Valley Chapter has not verified and/ or endorsed the contents of these articles or advertising. Readers should not act on the information contained herein without seeking more specific professional advice from legal, accounting or other experts as required.
President’s Message
Mark Dodge, CMCA, AMS Branch President and Chief Executive Officer Desert Resort Management – an Associa Company
Welcome to Summer in the Valley!
Traditionally, summer offers a brief pause from the hustle of “season,” but as our valley’s fulltime population continues to grow, those breaks are becoming shorter. The good news? CAI has a fantastic lineup of events to help you stay connected and have a little fun, especially as we head into budget season.
Kicking things off, our annual Bowling Tournament returns Friday, July 11th! Whether you're a sponsor, a spectator, or ready to hit the lanes, there’s a way for everyone to join in. Non-bowler tickets are available, and if you'd like to be matched with a Lane Sponsor, just let us know on the registration form!
Next up: CAM Day on Thursday, July 17th at Palm Valley. Designed for Community Managers and Assistant Managers, this event offers 6 CEUs, professional speakers, hands-on sessions, and real-world tools to help you succeed, followed by a networking cocktail hour.
Looking ahead to September, we’re excited to introduce two brand-new events:
CAI’s first-ever Pickleball Tournament – Saturday, September 27th at Mission Hills Country Club. Registration is already open, so don’t wait!
Networking in the Wild – Hosted by the Business Partner Committee at The Living Desert Zoo and Gardens. Attendees will enjoy professional headshots, light bites, and networking in a unique and beautiful setting. Details coming soon!
Our next lunch program returns in October, along with a host of events and programs to welcome cooler weather and round out the year. Looking ahead we’re especially excited about what 2026 holds. The planning has already begun as we look forward to launching new themes and initiatives to elevate the CAI experience.
Here’s to a vibrant and engaging summer—see you soon!
Best regards,
LEADERSHIP THROUGH
C A M DAY
Community association manager day - 2025
CAI-CV invites you to CAMDAY 2025, our annual allday educational event designed exclusively for community association managers and assistant managers.
Happy Wanderer dba Indio Springs RV Resort: A Desert Gem with Heart and Community Spirit
By Loni Peterson, CACM, AMS, LSM, PCAM
Nestled in the sun-kissed heart of Indio, California, just off Indio Springs Drive and adjacent to the well-known Fantasy Springs Casino, lies a vibrant and uniquely welcoming 55+ community: Happy Wanderer dba Indio Springs RV Resort. With 459 privately owned lots spread across approximately 33.7 acres, this oasis offers more than just a place to live - it offers a lifestyle.
A COMMUNITY WITH DEEP ROOTS AND A BRIGHT FUTURE
Built in 1978 by developers Mr. and Mrs. Breitfeller, the Happy Wanderer dba Indio Springs RV Resort has long been a desert favorite for seasonal residents who value both camaraderie and comfort. Fully built out and beautifully maintained, this resort offers 26.7% dedicated common area including expansive lawns, waterways, and gathering spots.
Managed by The Management Trust, with Monica Alvarado as the dedicated General Manager, the resort reflects strong leadership with a passion for its people. As Monica puts it:
“I finally found my dream job; I love being the GM here and I love the people even more.”
A WEALTH OF AMENITIES—INCLUDED AND ENJOYED
For a monthly assessment of just $292, residents enjoy access to an exceptional array of amenities, with utilities like water, gas, trash, and cable included. Whether you're seeking relaxation or recreation, there’s something for everyone: Two Clubhouses, Two Swimming Pools, Hot Tub & Saunas, Card/Game Room, Craft/Sewing Room, Art Room, and Woodshop, Pitching &
Putting Greens, Four Pickleball Courts, Two Volleyball Courts, Shuffleboard Court, Three Laundry Facilities, Organized Hikes, Golf, Swimming, Water Fitness Classes, Dinners, Dances, Live Entertainment, Movies, and even weekly non-denominational services
Ron Champagne, a community board member, sums up the vibe perfectly:
“Indio Springs is the friendliest and funniest place in town.”
REAL ESTATE SNAPSHOT
Indio Springs is a 55+ designated RV Resort, with properties ranging from $30,000 for an empty pad to $150,000 for a fully outfitted Park Model unit. It's seasonal living at its best. Owners reside here up to nine months per year, enjoying mild winters and a strong sense of belonging.
A HANDS-ON COMMUNITY
What truly sets Indio Springs apart is its residents’ deep involvement in keeping the community beautiful and functional. From planting seasonal flowers to building community bulletin boards in the on-site woodshop, homeowners roll up their sleeves to contribute. Volunteers also assist in the office, run a recycling program to fund events, and even sift sand from entrances after windstorms.
NEARBY ATTRACTIONS AND SERVICES
Shopping centers and schools are just around the corner, and Palm Springs International Airport is a short 25-minute drive. The resort’s location combines tranquility with easy access to essential amenities and entertainment.
FACING CHALLENGES WITH GRIT
Like any community, Happy Wanderer dba Indio Springs RV Resort faces its share of challenges. The most significant? A large adjacent open space, unmanaged by the city, that regularly blows sand into the resort, affecting air quality. The community, especially being 55+, is sensitive to this issue, and the board is actively advocating for solutions.
LOOKING AHEAD
This June, the community is embarking on an ambitious $800,000 asphalt repaving project. A major investment in maintaining infrastructure. Sustainability is also front of mind, with an Ad Hoc Water Conservation Committee capping wasteful sprinklers and replacing turf with a drought-tolerant desertscape.
GOVERNANCE AND VISION
Happy Wanderer dba Indio Springs RV Resort is led by a team of seven dedicated board members and a robust set of standing and ad hoc committees covering aesthetics, safety, maintenance, emergency preparedness, and more. These teams help keep the community vibrant and responsive to the needs of its residents.
PROFESSIONAL PARTNERSHIPS THAT MATTER
Happy Wanderer partners with several respected CAI-CV Business Partners including: Southwest Landscape, Patton Doors, Julie Balbini of Fiore, Racobs & Powers, Newman & Associates, Ivan’s Painting, Spectrum Cable, IPS, Frazier Pest Control, and Roof Assets.
A UNIQUE LIVING EXPERIENCE
More than a seasonal residence, Indio Springs RV Resort is a place where the community thrives. It’s not just the amenities or the location that make it special, it’s the people who live here and the care they pour into every corner of the resort. If you're looking for a joyful, engaged, and active 55+ lifestyle and can reside here for 9 months per year you just might find your next happy place here.
For more information about Happy Wanderer dba Indio Springs RV Resort please contact General Manager Monica Alvarado Phone monica.alvarado@ managementtrust.com or (760-895-6280).
Loni Peterson, CACM, AMS, LSM, PCAM, you can call her at (951) 204-0334.
Understanding what to do with your SB326 Report
What Are Your Association’s Obligations Upon Your Inspections & Report?
By Chris Sigler, B.S.C.E., C.D.T.
If you have been one of the Associations that has complied with the SB326 requirements already, you should be pleased that you have done so.
There have been various “inspection” companies of different types and levels of experience that were—and in some cases still are—actively soliciting this state-mandated work. The hope is that they came to (or, if you haven’t done your inspections yet, will come to) reasonable, practical conclusions and make recommendations that are feasible for the Association to achieve. Since this is a safety law, it is important to do what is best for the entire Association. As the saying goes, “Safety Pays!”
If you have complied and have received your report, you may have been informed (or perhaps you have not) as to what your obligations are—“Action Items,” so to speak—based on the results of the report, whether the results are good or bad. In either case, there is some good news to report: the ONLY mandatory work that is required would be if any IMMEDIATE safety hazards were observed or reported. That is the only circumstance that would trigger anything immediate or urgent for your Association.
A SIMPLE LIST OF YOUR OBLIGATIONS ONCE YOU RECEIVE YOUR SB326 REPORT
1. The report is not required to be submitted to your city’s building department or any other agency, unless an immediate safety hazard or hazards are identified. Even in that case, this can be avoided if, before the report is generated, the hazard is made safe—thus removing the “immediate” hazard.
2. The report is only required to be kept on file with the Association’s records and shared with your Reserve Analyst.
3. If the report has recommendations for repair or reports some conditions that are not in compliance with current code but are not necessarily an immediate safety hazard (e.g., railing height, picket spacing, etc.), a plan for eventual correction should be formulated within a feasible time. This can and should be discussed by the Board and your Reserve Analyst.
4. Aside from immediate safety issues, nothing else is “triggered” by the law and its required report.
IMPORTANT: The report will sometimes provide general recommendations such as “Replace waterproofing system
“The only mandatory work required is if any immediate safety hazards were observed or reported.”
of the balcony” or “Replace balcony” and the like. These recommendations are very broad in nature, and the reports are not intended to be specific with regard to scope and methodology. Thus, a stamped SB326 report should NOT be handed to a repair contractor for bidding the “recommended repairs” stated in the report!
WHAT IF WE DISAGREE WITH RECOMMENDATIONS IN THE REPORT?
At the start of the process, you hired an expert, and the report should include the stamp and/or signature of either a structural engineer or architect, as required by law. Your first and most practical step would be to contact the report author—the structural engineer or architect—and query him or her about the results and recommendations. If this does not satisfy your concerns about the contents of the report, you will need to make a few decisions as to what your next action item will be.
The submitted report will be part of the HOA’s records until the next cycle of inspections—nine years from now. If—worst-case scenario—an accident occurs at an elevated structure that was recommended for repair and the Association had not followed the recommendations, the liability could fall upon the Association for not following the report’s recommendations. That would, of course, not be good for anyone!
If the Board is of the opinion that the recommendations are “heavy-handed” or overbaked and the component has a longer useful life than reported, the Board would be wise to obtain a second opinion from another expert.
If the second opinion corroborates the report, then at least the Board has done its due diligence to confirm the findings of the original report.
“Just
as you might get a second opinion before a major medical procedure, do the same if you have unresolved concerns with the report.”
A COMMON AND SIMPLE EXAMPLE OF OVERLY CONSERVATIVE RECOMMENDATIONS
Underside of deck substrate and/or framing show signs of water intrusion
A report or photo showing moisture or a “stain” on the underside of an elevated structure does not necessarily mean it is decayed or unsafe. It could indicate that water is currently leaking, or it could be an old, inactive stain. Maintenance will often prevent a stain from worsening or continuing.
THE MOST IMPORTANT TAKEAWAYS FOR AN ASSOCIATION TO CONSIDER WHEN COMPLYING WITH THE SB326 MANDATE ARE AS FOLLOWS:
1. If a contractor is who your Association has hired to perform inspections, they should not be allowed to bid the repairs, as this is considered a major conflict of interest.
2. Just as you might get a second opinion before committing to a major medical procedure, do the same if you have unresolved concerns about the report.
3. If Fannie Mae/Freddie Mac have put your Association on the “do not lend” list and you believe the recommendations are overly conservative, definitely hire an independent third party to review those recommendations.
If you perform the important due diligence to ensure an accurate report, you will serve the best interests of your residents in a way that cannot be questioned—and will keep them safe!
Chris Sigler is the President and Owner of C.L. Sigler & Associates, Inc., a Construction Management and Consulting firm that has exclusively served the HOA industry for 23 years. He is a Civil Engineer by trade with more than 30 years of Engineering and Construction experience and is actively involved in SB 326 inspections throughout the Coachella Valley. Chris is certified with the Construction Specifications Institute (CSI) as a Construction Documents Technologist. Located in Palm Desert, his firm serves the Coachella Valley and Riverside County, while serving the San Francisco Bay Area in Northern California from their San Jose Corporate office. Chris can be reached at 408-210-8003 or by email at chris@siglercm.com www.siglercm.com
Community Associations Institute
Introduces Dawn M. Bauman, CAE as Its Next Chief Executive Officer
05/22/2025
Bauman, a seasoned executive with more than 25 years at CAI, steps into the top leadership role to guide the organization into its next chapter.
Dawn M. Bauman, CAE, has been named the next chief executive officer of Community Associations Institute, the leading international authority on the community association housing model that includes condominium associations, homeowners associations, and housing cooperatives.
Bauman begins her new role on July 1. She succeeds Tom Skiba, who is retiring after 23 years of service.
Following Skiba’s retirement announcement in late 2024, CAI launched a comprehensive executive search process. The CAI Board of Trustees formed a CEO search task force in January chaired by Greg Smith, CMCA, AMS, PCAM, a CAI past president. The task force included current and former board members representing all aspects of the organization.
“I am honored and excited to serve as CAI’s next chief executive officer,” says Bauman. “Together, with our board, chapters, members, staff, and partners—we have an extraordinary opportunity to shape what’s next for our industry. This is our moment to lead with innovation, unity, and purpose.
I’m excited to build on CAI’s strong foundation as we elevate our profession and strengthen the communities we serve.”
Bauman has held leadership roles within CAI for more than two decades, most recently as chief strategy officer and executive director of the Foundation for Community Association Research. Her deep experience in advocacy, education, and
community building has earned the trust and respect of CAI’s members and partners.
“Dawn brings unparalleled institutional knowledge, an extraordinary commitment to our mission, and a clear vision for the future,” says Melissa Ramsey, CMCA, AMS, LSM, PCAM, president of the CAI Board of Trustees.
The leadership transition will take place over the next month with Skiba and Bauman working closely to ensure a seamless handoff. During Skiba’s tenure, CAI grew to exceed 50,000 members and reinforced its position as the preeminent authority and advocate for the community association housing model worldwide. CAI now looks ahead to building on this legacy of leadership and innovation under Bauman’s guidance.
For more information about CAI and its leadership, visit www.caionline.org/about-cai/.(Opens in a new window)
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Share your news with CAI-CV members. Contact the office at (760) 341-0559.
3.0/3.5/4.0+ CHECK-IN 10:00am GAMES START AT 10:15am CHECK-IN 7:00am GAMES START AT 8:00am MEN’S DOUBLES 3.0/3.5/4.0+ WOMEN’S DOUBLES 3.0/3.5/4.0+
Tips for Reducing Outdoor Water Waste
By Coachella Valley Water District (CVWD)
Rising temperatures often coincide with rising outdoor water use, making efficient water consumption essential in the desert – a location where every drop counts.
In the region, water waste tends to stem from overwatering, inefficient sprinklers, old irrigation systems, poorly designed landscapes, and water-thirsty plants. With about 75 percent of the water in the Coachella Valley used outdoors, it is important to be mindful about how our most precious resource is used.
HERE ARE SOME TIPS TO HELP YOU REDUCE YOUR WATER USAGE OUTSIDE AND PRACTICE CONSERVATION:
• Equip hoses with shut-off nozzles.
• Review your irrigation timer for unnecessary run times.
• Place mulch throughout your garden to reduce evaporation.
• Utilize a broom instead of a hose to clean your driveway and sidewalks.
• Set your lawn mower to a higher setting, as longer grass keeps soil moist.
• Use drip irrigation on trees and shrubs, which delivers directly to plant roots.
• Adjust sprinklers to prevent overspray and runoff onto the street or sidewalk.
• Look for clogged nozzles and inspect sprinkler heads to ensure they spray properly.
• Create a water-efficient landscape by including desert-friendly plants in your yard.
• Find and fix irrigation and pool leaks quickly, and check for outdoor leaks in pipes, hoses, and faucets.
• Water your lawn in the early morning or evening when there is less wind and temperatures are cooler to avoid evaporation.
CVWD also offers rebate incentives to help customers reduce their water usage. Visit cvwd.org/rebates to view program details and eligibility requirements, or to apply for rebates online. Some programs require pre-approval and self-installation.
By being proactive and implementing these tips this season, you can significantly reduce your outdoor water usage and contribute to a more sustainable future within the community.
To learn more about wise water use in the Coachella Valley, click on cvwd.org/conservation.
SUN CITY PALM DESERT, SIERRA BALLROOM
COCKTAILS & HEAVY APPETIZERS
WAS HELD FRIDAY, JUNE 6, 2025
Featuring comedians: Jason Love and Friends
Thank you Sponsors:
• C.L. Sigler & Associates, Inc.
• Fiore, Racobs & Powers
• Guralnick & Gilliland, & Garcia
• Hotwire Communications
• MC Builder
• Precision Painting & Reconstruction
• Swedelson Gottlieb
• Sierra Dawn Estates
• Southwest Landscape
• Titanium Security
Thank You Comedy Committee:
• Clint Atherton
• Rhonda Drews
• Dan Coodrich
• David Schuknecht
• Alsions Leboeuf
• Ramona Acosta
• Steven Shuey
Revitalizing Freshwater Ecosystems: How Biological Additives Support Long-Term Health
By Patrick Simmsgeiger
Freshwater ecosystems are intricate, dynamic environments that depend on a delicate balance of organisms—from microscopic bacteria to large fish. While every species has a role to play, none are more foundational than microorganisms, particularly bacteria. These tiny workers are nature’s cleanup crew, and without them, aquatic environments can quickly become unbalanced.
THE POWER OF BENTHIC BACTERIA
In freshwater systems, bacteria are found throughout the water column, but they’re most concentrated in benthic sediment—the bottom layer of a lake or pond. These bacteria perform essential tasks like breaking down organic matter, fixing nitrogen, and managing nutrient levels. Their work helps prevent the buildup of sludge and excess nutrients, which can otherwise trigger algal blooms, foul odors, and unhealthy conditions for aquatic life.
When bacterial populations become overworked or compromised—due to low oxygen levels, chemical runoff, or other stressors—these critical processes slow down. That’s when the ecosystem becomes vulnerable, and intervention may be necessary.
SUPPORTING NATURE WITH BIOLOGICAL PRODUCTS
Aquatic management professionals often turn to biological additives—specifically aerobic bacteria and enzymes—to support struggling freshwater systems. While the practice isn’t without its critics, there’s growing support for the targeted use of these products as part of a sustainable management strategy.
ADDING AEROBIC BACTERIA
Aerobic bacteria, which requires oxygen to function, are fast-acting decomposers that assist in breaking down organic matter in sediment. When introduced into a lake or pond, they can supplement native populations, improving water clarity, reducing foul odors, and minimizing sediment buildup. Unlike chemical treatments, bacteria are difficult to over-apply. Their populations naturally regulate through competition and environmental factors, making them a low-risk intervention that blends seamlessly into existing microbial communities.
ENHANCING ACTIVITY WITH ENZYMES
Enzymes serve as biological catalysts, speeding up chemical reactions— including the decomposition of organic material. When enzymes are added to a freshwater system, they support both introduced and native bacteria by accelerating their digestive processes. Because enzymes are simply proteins, they pose no environmental threat and can be safely applied in larger quantities for enhanced results.
ARE BIOLOGICAL ADDITIVES WORTH THE COST?
Cost is always a concern, especially for property owners managing lakes and ponds. While biological products may carry a higher upfront price tag, they can offer long-term savings by reducing the need for more aggressive chemical treatments or costly maintenance.
Consider the analogy of buying a cheap pump for a new pond. It may seem like a cost-saving decision at first, but over time, that underperforming equipment leads to constant repairs, replacements, and frustration. Eventually, the owner ends up purchasing the more reliable pump they should have bought in the first place. The same principle applies to biological products: while they might cost more initially, they often reduce long-term labor and treatment needs.
A LONG-TERM APPROACH TO AQUATIC HEALTH
Biological products aren’t a silver bullet—they won’t resolve every issue. However, they play a crucial role in maintaining ecological balance and resilience. By proactively supporting the microbial backbone of freshwater ecosystems, you invest in cleaner water, stronger biodiversity, and fewer problems down the line.
Healthy water doesn't happen by accident. But with thoughtful intervention and the right tools, your pond or lake can transform from a recurring maintenance challenge into a thriving, beautiful ecosystem.
Patrick Simmsgeiger, Founder and President of Diversified Waterscapes Inc out of Thousand Palms, CA. He is a Certified Lake Manager (only 80 across the USA), a licensed Aquatic Pesticide Applicator and Landscape Contractor. He is an industry expert on all stages of aquatic treatment; from product development and manufacturing to application and treatment. He can be reached at (760) 837-3700 or by email to m6a2@dwiwater.com.
AVERAGE COST FOR COMMON LAKE TREATMENT PRODUCTS
PRODUCT TYPE COST PER GALLON/ POUND
ALGAECIDE
DYE
SURFACTANT
ENZYME
BACTERIA
$45 PER GALLON
$100 PER GALLON
$50 PER GALLON
$100 PER GALLON
$50 PER POUND
2025 2nd Quarter CAI-CLAC Legislative Update
By Jasmine F. Hale, Esq., CCAL
CALIFORNIA NORTH CHAPTER DELEGATE
Community Association Institute (CAI) in affiliation with California Legislative Action Committee (CLAC) held its annual Advocacy Week event in Sacramento the week of April 22, 2025. This year we returned to the Hyatt Regency for this sold-out event. In addition, CLAC held virtual legislator meetings with CLAC members, supporters, and CAI representatives from throughout the state on April 23, 2025. CLAC and its 134 Advocacy Week participants had over 70 meetings with legislators and their staff members throughout the week. This is the highest Advocacy Week participation on record since pre-Covid; it was exciting to see and take part in.
"THIS IS THE HIGHEST ADVOCACY WEEK PARTICIPATION WE HAVE HAD SINCE PRE-COVID!"
This year, our Advocacy Week participants focused on explaining to the legislators and their staff why CLAC opposed the laws, their potentially harmful impacts, and we aimed to provide them with a better understanding of common interest communities in general. In addition, we also invited conversations with all legislators regarding the ongoing concerns about insurance. CAI and CLAC are acutely aware of and trying to help shape in a positive direction moving forward. As insurance is a complex and massive topic, CLAC’s efforts in having a dialog with legislators will help overall by ensuring they have heard and understand our perspectives as changes to regulations and future legislation may be considered by them.
While CLAC monitors and takes positions on many bills before the legislature, one of the primary goals of Advocacy Week is to highlight CLAC’s positions. These positions focus on the impact of legislation. The focus either helps to support successful passage or to create a stop gap with moving forward through the legislative process. Unlike recent years, this year CLAC did not have any sponsored bills (i.e., when we advance the pending legislation), and the focus of our advocacy efforts was spent trying to eliminate or at the very least to amend the otherwise harmful laws that, if passed, would have dramatically reshaped common interest living as we know it.
"CLAC’S ADVOCACY EFFORTS FOCUSED ON ELIMINATING OR AMENDING HARMFUL LAWS THAT COULD RESHAPE COMMON INTEREST LIVING."
The week was buzzing with activity. Before we even started our meetings, the Senate Housing Committee heard testimony from our CLAC advocate, Louie Brown, and CLAC members throughout the state concerning Senate Bill 677 (Weiner) on Senator Weiner’s proposed amendment to the DavisStirling Act to mandate that associations must allow lot splits in planned developments. This Senate Bill is something we know was
not supported by CLAC members for its lack of allowing communities to decide from themselves how they felt about this contested issue. Much to our delight, SB 677 did not pass in the Senate’s Housing Committee, and was deferred to the 2026 legislative calendar; we happily dodged this bullet this year.
"WE AIMED TO PROVIDE LEGISLATORS WITH A BETTER UNDERSTANDING OF COMMON INTEREST COMMUNITIES."
We also advocated against Assembly Bill 21 (DeMaio) which, if it had passed, would have regulated everything from requiring associations to publish board packets for all members regardless of the confidential and private information in them, to prohibiting Board members from emailing each other, and more. Happily, the legislators recognized the bill for the troublesome and unnecessary overreach that it was, and it, too, was defeated in the Assembly’s Housing and Community Development Committee.
"MUCH TO OUR DELIGHT, SB 677 DID NOT PASS IN THE SENATE’S HOUSING COMMITTEE—WE HAPPILY DODGED THIS BULLET!"
obligated to allow installations of electric vehicle charging stations in common area locations, the homeowners who install and use such stations should also have a duty to have their association added as an additional insured on their homeowners insurance policies. While both these bills continue to make their way through the legislative process, we know that all our hark work and advocacy made (and makes) a meaningful impact in helping legislators and their staff have a more complete understanding of the real world impacts these laws will make, and not always for the better.
We lastly advocated against Senate Bills 681 (Wahab) that would impose a limitation on association enforcement fines to no more than $100 per violation and 770 (Allen) that would remove the sensible requirement that associations that are
We capped the week’s events with a fantastic awards cocktail party and fundraiser after our legislative meetings on April 23, 2025, and a wrap-up meeting the morning of Thursday, April 24, 2025. For anyone who has been curious about legislation affecting our industry and the 13 million plus homeowners we advocate on behalf of, as someone who has been attending this event for over a decade, I encourage you to consider joining us for Advocacy Week 2026!
Jasmine Hale is a veteran community association attorney with over 20 years of experience. Jasmine is a Principal at Berding & Weil and oversees the firm's corporate counsel practice group that provides legal services to the firm's Northern California clients. Jasmine provides wide-ranging services including governing document analysis, legal opinions, contract negotiations, Board governance, pre-litigation counsel and litigation monitoring. Jasmine also specializes in employment law and leads firm's Employment Law practice group. In addition, Jasmine is a CCAL Fellow of the prestigious College of Community Association Lawyers, she serves as a Delegate for the CAI California North Chapter's legislative support committee and on their Board of Directors as well.
"ALL OUR HARD WORK AND ADVOCACY MADE A MEANINGFUL IMPACT."
"I ENCOURAGE YOU TO CONSIDER JOINING US FOR ADVOCACY WEEK 2026!"
The Perfect Storm for Board Members in the New Insurance Environment
By Steven Friscia, J.D., LL.M.
The recently evolved insurance marketplace may be creating a perfect storm not only for individual homeowners but also for Common Interest Properties (HOAs) and their Boards. Last month’s issue of “HOA Living” explored the changes in the marketplace for HOAs. Yet, HOA Board members often have a false sense of security that policy availability abounds because of the historical blanket insurance coverage once provided under liberal underwriting standards. That has changed, and the new paradigm now includes modeling and risk assessment thanks to AI and sophisticated algorithms.
In particular, it is this HOA policy that provides Errors and Omissions (E&O) and Directors and Officers (D&O) insurance provisions, which protect and indemnify the HOA and individual Board members from personal liability. Accordingly, HOA Boards must navigate the new market to find reputable insurance companies offering complete and/or comprehensive coverage to meet the parameters set out in the HOA’s CC&Rs and the provisions of California’s Davis-Stirling Act (Davis-Stirling). There are still companies ready to fulfill this requirement.
In California, Davis-Stirling requires a minimum of Commercial General liability insurance in addition to Directors and Officers (D&O) insurance coverage. Whether or not a policy is written with minimum coverage to save premium dollars or substantial coverage with custom provisions and addendums, HOA Board members and individuals often review their coverages only to determine their adequacy and value without examining the rest of the policy. The sales process with the insurance agent and the HOA Board members often reinforces this shortcut.
Yes, examining policy coverages is an important and necessary step toward understanding the policy, but equally important are the other parts of the policy. For example, many people do not take the next step by reviewing the policy exclusions. Some would say that the policy exclusions are equally, if
*The following article is for general and informational purposes only. Legal advice is neither intended nor implied. For specific legal issues and/or advice, please seek independent counsel of your choice.*
“Even the most generous coverage of the policy could be negated by an exclusion provision.”
not more important, because even the most generous coverage of the policy could be negated by an exclusion provision. As discussed below, this can catch even diligent Board members by surprise, not to mention the all-too-familiar rogue Board members who act with abandon by failing to take into account the minimum fiduciary standards set out in Davis-Stirling. No Board member wants to be personally liable, especially since they are an unpaid volunteer. Public policy requires California HOAs, through their Board members, to play a fundamental role in managing and maintaining common-interest communities. Yet, why would anyone want to risk personal assets for a claim asserted against the HOA and its Board?
The responsibility required of a Board member comes with significant legal obligations, particularly the fiduciary duties of loyalty, care, and good faith. Violating these duties can expose board members to personal liability, potentially risking their personal assets and reputation. Yet, HOAs need dedicated unpaid volunteers to serve on their boards as a foundation for effective community governance for neighborhoods throughout the State.
Fortunately, with the precedent of court rulings and the State's involvement in Davis-Stirling, public policy appears to encourage volunteerism by affording some degree of protection to board members. In California, a high bar appears necessary to allege a breach of fiduciary duty against a Board member. The prerequisite requires the HOA to have adequate general and personal liability coverage to enable the protection.
Accordingly, in California, a Board member’s primary defense is the Business Judgement rule. Davis-Stirling addresses the mistake if made in an independent and disinterested manner, in good faith, with reasonable care and diligence, and after learning the facts before taking action. California law (Civ. Code sections 5800-5810) grants broad protection for Board members acting within the scope of their duties.
Additionally, California laws provide various layers of protection for Board members (Corp. Code Section 5047.5(b)). Board members are shielded from vicarious liability for torts of the HOA (Frances T. v. Village Green Owners Assn., 1986, 42 Cal. 3d 490, 504). Also, California law (Corp. Code Section 7237) allows indemnification of a Board member for unlawful acts if they have no reasonable cause to believe an action or conduct is unlawful. Again, this requires the HOA to have adequate general and personal liability insurance coverage to enable protection.
However, having the requisite D&O coverage is not a free pass. Board members must still give thought to their actions as would any reasonable, prudent person to protect themselves. Yet, there are rogue Board members who may not give a second thought to anything they do because they cavalierly believe D&O policy provisions shield them.
For instance, a Board member may lie to a vendor to obtain a better deal for an HOA contract. Take the example of a large condominium complex where a laundromat service vendor supplies laundry equipment and services, and may factor the money collected from the machines into their bottom line when bidding on the contract. That vendor needs an accurate count of those in the complex requiring the service, as it is a key factor in determining the contract price. The more households needing service, the more money the vendor can make from the machines and a lower bid price for the HOA, and vice-versa with a higher bid price.
If a rogue Board member knowingly lies and misrepresents a higher number of users to get a lower contract price, the vendor may figure out the lie when the cash collected from the machine doesn’t match the projection. That vendor, upon discovery of the lie, may initiate a breach of contract lawsuit with an allegation of fraud against the HOA and the Board member(s). The example is based on an actual circumstance, not fantasy. As one can probably guess, fraud is one of those “exclusions” in the policy where coverage is denied.
A Board member must understand the nature of fiduciary duty. Fiduciary duty is the highest standard of care imposed by law on individuals entrusted with managing another’s interests. In the context of HOA boards, it’s fairly easy to apply by using common sense and putting the HOA’s interests above your own. Fiduciary duties include: Duty of Loyalty, Duty of Care, and Duty of Good Faith.
However, individual board members can still be held
“FIDUCIARY DUTY IS THE HIGHEST STANDARD OF CARE IMPOSED BY LAW ON INDIVIDUALS ENTRUSTED WITH MANAGING ANOTHER’S INTERESTS.”
personally liable under specific circumstances. The Business Judgement rule does not shield a Board member from personal liability if a Board member personally participates in a wrongful action. (Frances T. at pp. 503-506). Even directing the improper conduct pierces the shield of protection (Ritter & Ritter v. Churchill Condominium Assn. (2008) 166 Cal.app.4th 103, 120-121). Furthermore, “reasonableness” does not apply to Board members who do not inquire or inform themselves of the governing documents, including the CC&Rs and bylaws (Palm Springs II Homeowners Assn., Inc. v. Parth (2016) 248 Cal. App. 4th 268).
Liability can occur in the following situations: gross negligence, reckless conduct, fraud or misappropriation, conflict of interest, disregarding legal duties, making decisions without proper investigation, ignoring professional advice, and ignoring or neglecting maintenance responsibilities.
Protections and Limitations can include Indemnification clauses in the HOA governing documents that indemnify board members against certain liabilities. Directors and Officers (D&O) insurance can provide coverage for legal expenses and damages resulting from acts committed in the course of board duties. This can include indemnification requiring the HOA to defend and indemnify for actions taken in good faith.
Caution: D & O Coverage almost never covers intentional misconduct, criminal acts, or actions outside the scope of HOA authority.
TO
MINIMIZE PERSONAL
LIABILITY,
BOARD MEMBERS CAN TAKE PROACTIVE STEPS TO PROTECT THEMSELVES:
• Understand and Follow Governing Documents
• Stay Informed: Keep up-to-date with relevant laws and regulations
• Join the local chapter of the national organization for homeowner associations, the COMMUNITY ASSOCIATIONS INSTITUTE (CAI) where updates in governance, best practices, education, resource material and more can assist the Board member in their role
• Act Ethically and Transparently: Disclose conflicts of interest and make decisions transparently
• Seek Legal Advice When Needed
• Maintain Proper Records
• Maintain proper insurance coverage
Conclusion
While serving as an HOA board member can be rewarding by volunteering one’s time for the greater good of the community, it often can be thankless. Board members who understand the nature of the position can turn the “thankless” pejorative around. Knowledge becomes the key. By understanding their legal obligations, acting prudently, transparently, and leveraging available protections, HOA board members can fulfill their roles effectively while minimizing personal risks. Ultimately, diligent adherence to fiduciary duties not only provide a level of protection to individual board members but also ensure the healthy governance of the community they serve.
Steven Friscia, J.D., LL.M. is a retired real estate attorney, general counsel of a development company, and Senior Vice President of Marsh McClennan Companies, Inc., a worldwide financial and insurance brokerage company. He can be reached at vfhoamember1@gmail.com.
IS YOUR HOA A BEST PRACTICE COMMUNITY?
Do your HOA residents (and potential home buyers) recognize the value associated with living in your “best practice“ community?
CAI-CV’s Medallion Award Program provides an opportunity for CAI-CV member communities to be recognized for using CAI best practices.
BENEFITS TO YOUR HOA:
• Helps to build positive community spirit.
• Helps preserve and enhance the highlevel character of your community.
• Helps to protect and enhance property values in your community.
• Helps the board and management exceed owners’ expectations.
YOU WILL RECEIVE:
• A professionally made outdoor Medallion Community logo sign that can be mounted to your gate or entrance.
• A professionally designed electronic logo that can be added to your website, business cards, and marketing materials.
• A cover-feature article in CAI-CV’s award-winning HOA Living Magazine
JOIN THE RANKS OF COACHELLA VALLEY MEDALLION COMMUNITIES!
• Desert Shores Resort, Indio
• Indian Ridge, Palm Desert
• Mira Vista at Mission Hills, Rancho Mirage
• Montage at Mission Hills, Cathedral City
• Palm Valley Country Club, Palm Desert
• Santa Rosa Cove, La Quinta
• Sun City Palm Desert
• The Springs Community Association, Rancho Mirage
• Victoria Falls, Rancho Mirage
NEXT STEP:
Request an application Click or Scan the QR Code
(Application includes a questionnaire designed to evaluate an HOA’s best practices in all operational areas. The application is reviewed by CAI-CV Homeowner Leaders who either award Medallion status or provide feedback on areas needing improvement. The first-time application fee for CAI-CV members is $300 with a 2-year renewal fee of $200. Contact CAI-CV (760) 341-0559 or email holly.smith@CAI-CV.org for more information.)
MEET THE BOARD & COMMITTEE CHAIRS
Melea Agredano
Chair of Sips & Shots
By Mike Traidman
We’re excited to announce that Melea Agredano, who served as co-chair last year, is returning this year as Chair of the Sips & Shots Committee. With a new venue selected and a clear profit goal in place, Melea is focused on elevating one of our chapter’s most anticipated events of the year. Mark your calendars—this year’s Sips & Shots event will take place in Palm Springs on December 12.
When she’s not volunteering with CAI-CV, Melea works as the Property Service Representative for Vista Paint, where she has been employed for the past 18 months. Vista Paint is a family-owned company headquartered in Fullerton, CA, with a legacy spanning almost 70 years. They serve California and Nevada with over 55 company stores, including three in the Coachella Valley. Impressively, the company’s original owner remains actively involved in daily operations. Vista Paint manufactures architectural coatings and partners with industry professionals throughout the region to meet the specific needs of HOA boards.
In her role, Melea works directly with HOAs across the Coachella Valley, offering complimentary services including
“Melea has supported 63 HOA communities, providing customized color boards and helping bring their design visions to life— my own HOA included, with great success.”
color consultations, detailed specification writing, project walkthroughs, digital imaging, computer archiving, color placement, and marketing support. If you’ve attended our minitrade show luncheon, you’ve likely met her. To date, Melea has supported 63
HOA communities, providing customized color boards and helping bring their design visions to life—my own HOA included, with great success.
Prior to joining Vista Paint, Melea built a strong foundation in customer service and employee training through her work in both the construction and hospitality industries.
Melea has been actively volunteering with our chapter for a year and a half. Fittingly, her very first day with Vista Paint was spent at one of our luncheons, proudly representing the company.
Born and raised in the Coachella Valley, Melea enjoys spending her free time going to the movies, attending concerts, and catching live comedy shows—often coming home to her beloved 8-year-old dog, Jasper.
Thank you, Melea, for your dedication and enthusiasm!
Mike Traidman is a Director of CAI-CV, the President of Mira Vista at Mission Hills HOA, and a Commissioner for the Community Association Managers International Certification Board (CAMICB). Mike can be reached at mtraidman@yahoo.com.
TIME HONORED
Jennifer Carroll: A Dedicated Leader in Coachella Valley’s HOA Industry
By Sierra Carr PCAM CMCA,
AMS, CCAM
Jennifer Carroll has been a prominent figure in the Coachella Valley’s community management scene since 2014. Though she returned to the area that year, Jennifer’s roots run deep in Palm Springs, where she was raised and graduated from Palm Springs High School in 1995.
With over 15 years in the HOA industry, Jennifer’s career began in 2008 and has seen her manage diverse portfolios, including Planned Unit Developments (PUDs), townhomes, condominiums, and commercial properties. Over the years, she has held progressive leadership roles such as Community Manager, Director, Executive Director of Community Management, and Executive Director of Account and Financial Services. Currently, she works at Personalized Property Management as a Senior Community Manager.
Jennifer has invested in her professional growth, earning five industry designations—CCAM, CAFM, CMCA, AMS, and PCAM—and plans to pursue further certification by the end of 2025 or early 2026. She has been an active member of the Community Associations Institute (CAI) since 2009, participating in the Managers and Oktoberfest Committees,
“I’ve earned five industry designations so far—and I’m not done yet.”
valuing the networking and educational opportunities CAI provides.
Family history plays a special role in Jennifer’s life. Her family settled in Palm Springs from Oklahoma in the 1950s and eventually moved to Oregon in the 1980s for cooler weather. Notably, her grandfather and father were involved in construction, working on the home
of Walt Disney in Smoke Tree Ranch, highlighting a legacy of hard work and community ties.
A key inspiration in Jennifer’s career is Paula Tapia, whose empathetic leadership and support helped Jennifer transition from a Community Manager to an Executive Director. Paula’s mentorship has been instrumental in guiding Jennifer through professional challenges and growth.
Outside of work, Jennifer enjoys relaxing at the beach or pool and spending time with friends and family. She is a fan of 80s and country music, and while she doesn’t currently have a book on her nightstand, her passion for continual learning is evident in her pursuit of professional certifications.
Jennifer Carroll’s dedication to her community and profession makes her a valued leader and a respected member of the Coachella Valley HOA industry.
Sierra Carr, PCAM, CMCA, AMS, CCAM, is the Community Manager for Desert Resort Management - An Associa® Company. She can be reached at (760) 346-1161 or by email at SCarr@drminternet.com.
Optimizing Community Pool Operations: A Guide to Efficiency and Compliance
By Roberto Antonio Flores
As summer heat intensifies in the Coachella Valley, HOA community pools become essential gathering spaces for residents. Yet, behind the scenes, efficient pool operations require more than basic upkeep—they demand a careful balance of water safety, cost control, and regulatory compliance.
Across California, communities are adopting a more strategic approach to pool management, combining technology, conservation tactics, and up-to-date compliance practices to meet evolving health and safety standards.
KEY CHALLENGES FOR TODAY’S HOAS
HOAs face a growing list of operational and compliance issues, but the most critical include:
• Water Conservation: Pools represent 18% of total household water use, per the Coachella Valley Water District. Small changes in backwash frequency, leak detection, and splash control can yield substantial savings.
• Energy Efficiency: Pool pumps alone can account for 40–60% of annual electricity costs. Many properties use Variable Speed Pumps but fail to configure them correctly.
• Health Compliance: In 2023, Riverside County reported a 22% increase in pool health violations—often tied to outdated logs, chemical imbalances, or faulty equipment.
BOOSTING ENERGY SAVINGS THROUGH SMARTER PUMP USE
While 68% of HOA pools now use Variable Speed Pumps (VSPs), many operate them at unnecessarily high speeds or extended run times. Optimizing this system is low-cost and high-return:
• RPM Adjustments: Lowering speed from 3,450 to 1,750 RPM can reduce electric costs by over $600 per year per unit.
• Runtime Optimization: Most pools need only 6–8 hours of circulation daily in warm months.
• Professional Calibration: A $200 professional tuning service typically delivers full ROI in less than three months.
WATER TREATMENT: TECHNOLOGY
COMPARISON
Choosing the right disinfection system depends on pool size, user load, and desired maintenance level: What’s New in 2024: Regulation Update
“A well-managed pool protects residents and property values alike.”
NEW STATE LAWS AND COUNTY HEALTH CODES MAKE COMPLIANCE A MOVING TARGET. KEY CHANGES INCLUDE:
• Digital og Requirements (AB 178): Paper chemical logs are now obsolete—digital recordkeeping is mandatory.
• Secondary Disinfection: Required for pools larger than 20,000 gallons.
• Anti-Entrapment Drain Inspections: Annual third-party inspections are now mandatory.
FINAL THOUGHTS
A well-maintained pool protects residents and preserves property value. By embracing modern technology, seeking expert audits, and following updated laws, HOA boards can ensure safe, cost-efficient operations year-round.
Roberto Antonio Flores with Hidroklear, LLC is an aquatic facility auditor, international speaker, and author of a professional operations manual for recreational water facilities. He specializes in optimizing pool performance for HOAs, hotels, and municipal systems. He can be reached at (602) 617-4893 or by email at sales@hidroklear.com.
Pools, Fencing, and Insurance
By John Schuknecht, CMCA, AMS
If your community has a pool, there is no doubt it adds greater value. Families love it, it can bring the community together, and it is a great reward for homeowners. For board members and community managers, it comes with added responsibility. Pools can pose serious safety risks when they are not secured. These issues can create major insurance and liability headaches for the association.
Let us start with the basics: fencing. A pool without a secure, code-compliant fence is a major red flag. Not just for safety, but also for your insurance carrier. Fencing helps prevent accidents, especially involving children who may wander in when no one is around. A sturdy fence with a self-latching, self-closing gate is one of the simplest and most effective ways to reduce risk. For added protection, consider adding a keypad locking mechanism.
If an individual trespasses and sustains injury, the HOA can be held responsible if the pool is not properly secured. From a liability standpoint, the fence is your first layer of defense, and it is one that insurers take very seriously.
Here is the part that often surprises boards: most insurance companies will not quote your policy if your pool is not fenced. Carriers are tightening their guidelines, and if your pool does not meet basic safety standards, they may pass on providing quotes.
That can leave your association with limited options or a transition into the Excess and Surplus (E&S; non-admitted) market. These are carriers that specialize in higher risk accounts and, while they can get you coverage, it usually comes at a much higher price with less flexibility and fewer protections. E&S carriers are not backed by your state’s
"IN SHORT, NOT HAVING A FENCED POOL CAN SERIOUSLY LIMIT YOUR INSURANCE OPTIONS AND FORCE YOUR HOA INTO A MARKET WHERE YOU WILL POTENTIALLY PAY MORE FOR LESS COVERAGE."
insurance guarantee fund, which means you lose some of the consumer protections you would have with a standard (admitted) insurer.
In short, not having a fenced pool can seriously limit your insurance options and force your HOA into a market where you will potentially pay more for less coverage.
As we head into budget season, if the pool in your community is not secured with a fence, now is the time to discuss installing one. This does not have to be overwhelming. Start by building a game plan. Get quotes, talk to trusted contractors or vendors, and begin budgeting or reserving funds. Even if it is not something you can do tomorrow, having a plan in place shows insurers (and residents) that your association is taking the issue seriously.
FENCING IS THE BIG ONE, BUT THERE ARE A FEW MORE ITEMS THAT INSURANCE CARRIERS WILL CALL ATTENTION TO:
• Post clear signage with pool rules and safety notices (especially if there is no lifeguard).
• Keep safety equipment like life rings or rescue poles nearby and in good condition.
• Inspect gates and fences regularly to make sure everything is working properly.
• Limit after-hours access with lighting, cameras, keycard, or digital entry.
• Remind residents about the importance of pool safety, especially with kids around.
As a board member or community manager, you most likely are managing multiple projects and issues at the same time however pool safety should be near the top. Taking simple, proactive steps like installing proper fencing and following basic safety protocols can go a long way in protecting your residents and your association’s financial health. It also keeps you in good standing with insurance carriers, so you are not stuck paying more overall.
A safe pool is a smart pool which makes it a whole lot easier to insure.
Thriving in the Desert: Smart Summer Landscaping Tips
By Lily Ortega
"Trees like Desert Willow and Palo Verde not only add vertical interest to your landscape but also provide essential shade that can lower ambient temperatures."
As temperatures soar across the Coachella Valley, maintaining beautiful and sustainable landscaping becomes both a challenge and an opportunity. Summer is the perfect time for homeowners to embrace drought-conscious practices that not only enhance curb appeal but also protect precious resources and reduce maintenance headaches.
GO NATIVE, STAY THRIVING
One of the most effective ways to create a resilient summer landscape is by incorporating native and desert-adapted plants. These plants are not only stunning in full bloom but also require minimal watering once established. They are well-suited to our unique desert environment and attract pollinators like hummingbirds and bees—bringing life and motion to your yard.
MULCH MATTERS
Mulching is a low-cost, high-impact strategy to retain soil moisture, regulate root temperatures, and prevent weed growth. A 2–3 inch layer of organic mulch around trees, shrubs, and in garden beds can dramatically improve water efficiency. Just be sure to keep mulch a few inches away from trunks and stems to prevent rot.
SMART IRRIGATION SAVES WATER AND MONEY
During the intense summer months, timing your irrigation can make a big difference. Water your landscape in the early morning, ideally between 4 a.m. and 7 a.m., to minimize evaporation. Summer is also the season to check your irrigation system. Leaky emitters, overspray, or misaligned sprinklers are common causes of water waste. Consider upgrading to a smart irrigation controller that adjusts watering schedules based on weather conditions and soil moisture levels. Rebates are available through CVWD and DWA, making it a smart financial move.
CREATE SHADE WITH PURPOSE
Trees like Desert Willow and Palo Verde not only add vertical interest to your landscape but also provide essential shade that can lower ambient temperatures. Thoughtfully placed shade structures, pergolas, or even large container plants can offer relief to delicate areas of your yard during peak heat.
FINAL THOUGHT:
Landscaping in the Coachella Valley during summer doesn’t have to mean sacrificing beauty. With a focus on native plants, smart watering, and thoughtful design, homeowners can create vibrant, sustainable landscapes that reflect the stunning natural character of our desert home.
Stay cool and keep growing!
"A 2–3 inch layer of organic mulch around trees, shrubs, and in garden beds can dramatically improve water efficiency."
Lily Ortega is the Business Development Manager for Pro Landscaping Inc. and she also currently serves on the CAI-CV Board of Directors. Pro Landscaping Inc. is a leading landscaping company in the Coachella Valley. Please contact Lily at lily@proland-inc.com for more information.
FRIDAY, JULY 11
Bowling Tournament
Location: Palm Springs Lanes Time: 5:30 PM
THURSDAY, JULY 17 CAM Day
Association Manager Day)
Location: Palm Valley Country Club Time: 8:00 AM
TUESDAY, SEPTEMBER 27
Location: Mission Hills Country Club 34600 Mission Hills Drive Rancho Mirage, CA 92270 Time: 7:00 AM - 12:00 PM
