Valor. Virtue. Vigilance. Those aren’t just words we admire—they’re the standards we hold ourselves to in protecting your assets and elevating your peace of mind. For years, we’ve helped communities, boards, and owners manage properties with precision and care. Now, we’re doubling down on that mission by adding full‑service Property & Casualty (P&C) insurance to our offering—so your risk management, compliance, and coverage needs live under one coordinated roof.

This isn’t “more of the same.” It’s a fundamentally better way to manage risk—integrated, proactive, and data‑driven—designed for HOAs, landlords, real estate investors, and habitational property owners who expect both coverage clarity and operational efficiency.

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Why We’re Adding Insurance—And Why It Matters

1) Seamless Risk + Operations

When your management team also oversees your insurance program, you eliminate blind spots. We already know your properties, vendors, claims history, reserve studies, maintenance cycles, and policy deadlines. Embedding insurance into that operational picture means:

• Fewer coverage gaps. We tailor policies to your real exposures—not generic assumptions.
• Faster decisions. No more back‑and‑forth between third parties; we coordinate details in real time.
• Cleaner documentation. Certificates, endorsements, and renewal schedules aligned with budgets and board calendars.

2) Claims Advocacy That Actually Advocates

Most policyholders discover the true quality of insurance when a loss occurs. Our team handles claims with the urgency and diligence your situation deserves:

• Early triage and documentation (photos, invoices, vendor reports, police reports when applicable).
• Coverage interpretation and carrier liaison, pushing for fair, timely outcomes.
• Post‑loss improvements (e.g., plumbing riser plan, leak detection, surge protection, or access control) to reduce recurrence.

3) Compliance Without the Guesswork

Boards and owners juggle CC&Rs, bylaws, lender requirements, and municipal obligations. We help you:

• Align coverage with governing documents and community rules.
• Track claims‑made policies (like D&O) and manage tail/extended reporting periods (ERP) during transitions.
• Maintain fidelity/crime bonds at appropriate limits to protect community funds and comply with banking and best‑practice standards.

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What We Insure: Built for HOAs, Landlords & Habitational Portfolios

We focus on the risks you actually face—no fluff, no overselling. Here’s how we’re structured:

A) HOA & Community Association Coverage

• Master Property (buildings, common elements, and other insurable real property)
• General Liability (slips, falls, premises liability)
• Directors & Officers (D&O) (claims‑made; governance disputes, election challenges, violation enforcement)
• Fidelity/Crime (protects association funds from theft/misappropriation)
• Umbrella/Excess Liability (expands limits over GL, auto, and sometimes D&O)
• Equipment Breakdown (boilers, pumps, motors, electrical systems)
• Ordinance or Law (code upgrades after a covered loss)
• Sewer/Drain Backup (often overlooked; we’ll review sublimits and exclusions)
• Cyber Liability (member data, payment portals, email compromise—rising HOA exposure)

B) Landlords, Investors & Property Owners

• Landlord (DP‑3) & Apartment Packages (special form property + liability)
• Loss of Rents/Business Income (keep cash flow intact during covered repairs)
• Vandalism/Malicious Mischief (ensure it’s properly included)
• Vacant Property (specialty form for non‑occupied buildings)
• Builders Risk/Renovation (materials, soft costs, and course‑of‑construction exposures)
• Umbrella/Excess Liability (especially critical with multiple doors)
• Equipment Breakdown & Service Line (hidden exposures with real cost impacts)
• Ordinance or Law (a key add‑on in older buildings and stricter jurisdictions)

C) Specialty & Catastrophe Solutions

• Flood Insurance (NFIP and private‑market options; building vs. contents, waiting periods, elevation certificates)
• Earthquake Insurance (residential and commercial markets; we’ll evaluate deductibles and per‑unit impacts)
• Surplus Lines Placement (for tough‑to‑place or unique risks via licensed wholesale partners)
• Crime/Fidelity for Property Managers (protect client funds and trust accounts when required)

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What Makes Our Insurance Program Different

Integrated Data & Document Control

Because we manage properties, we already hold the building schedules, unit counts, square footage, systems specs, reserve projections, incident logs, and vendor contracts. We leverage that data to:

• Build accurate underwriting submissions (reducing pricing surprises and declinations).
• Pre‑clear common endorsements (Additional Insured, Waiver of Subrogation, Primary & Noncontributory).
• Deliver fast certificates to lenders, vendors, and escrow—without the typical delays.

Tailored Coverage Architecture

We don’t just “quote and hope.” We map coverage to your operational reality:

• Align D&O limits with board activity and enforcement posture.
• Right‑size fidelity/crime based on operating balances and reserve totals.
• Evaluate loss of rents relative to your vacancy and lease terms.
• Customize water damage sublimits if your building’s loss history suggests higher exposure.

Claims & Renewal Cadence You Can Rely On

• Quarterly risk reviews for associations and larger portfolios.
• Pre‑renewal audits (loss runs, capital projects, occupancy changes, reserve needs).
• Post‑claim improvement plans (reduce deductibles and long‑term premium pressure).

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Flood & Earthquake: Two Big Risks, Clear Guidance

Flood: Beyond “I’m Not in a Flood Zone”

Flood is excluded on most standard property policies. If a lender requires flood insurance, it’s often through NFIP (with typical waiting periods and building/contents splits), but private markets can sometimes offer:

• Higher limits and flexible deductibles
• Potentially competitive pricing for low‑to‑moderate risk zones
• Broader definitions or fewer restrictions (case‑by‑case)

We help you evaluate mapping, elevation data, and foundation types (e.g., crawlspace vs. slab), and we’ll advise on mitigation upgrades that reduce risk and sometimes improve pricing.

Earthquake: Real Exposure, Strategic Structuring

In many areas, quake risk is non‑trivial. We’ll present options that balance:

• Deductible selection (percentage‑based, often 5–25%)
• Coverage granularity (by building, by association, or portfolio)
• Loss scenarios (e.g., masonry vulnerabilities, soft‑story risk)
• Business continuity (how you’ll pay for temporary housing or operational recovery)

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For Boards: Governance Confidence Without the Guesswork

Board members face real scrutiny and time pressure. We set you up for success:

• Clear coverage summaries in plain language before each renewal.
• Claims‑made tracking for D&O (including ERP/tail options during management or board changes).
• Fidelity/crime compliance aligned to your banking and reserve balances.
• Incident‑to‑claim playbooks (when to report, how to document, what to expect).

We also coordinate with legal counsel when needed—we are not attorneys, and we’ll flag matters requiring legal advice promptly while keeping your insurance position secure and timely.

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For Owners & Investors: Cash‑Flow First, Risk Always

Whether you own a single rental or a multi‑city portfolio, we protect:

• Income continuity (Loss of Rents/Business Income structured to your lease terms)
• Liability posture (Umbrella layers appropriate to your asset protection strategy)
• Construction exposures (Builders Risk with careful attention to scope and soft costs)
• Catastrophic risk (Flood/Earthquake evaluated against your financing and hold period)

We also offer multi‑location packaging where appropriate and coordinate preventive measures (e.g., smart leak sensors, routine clean‑outs, surge protection, and vendor indemnification language aligned with your policies).

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Tough‑to‑Place? We’re Built for That Too.

Unique occupancies, older buildings, prior losses, or underwriting quirks don’t scare us. Through licensed wholesale/surplus lines partners, we access specialty markets to place:

• Vacant, partially renovated, or frame structures
• Higher hazard regions or higher crime areas
• Non‑standard liability exposures
• Large deductibles or sublimits customized to your situation

Our job is to get you placed responsibly and competitively—even when the mainstream markets hesitate.

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How to Get Started (It’s Simple)

1. Schedule a 15‑minute Coverage Review.
   We’ll learn your goals, constraints, and deadlines.
2. Share Basic Property & Policy Data.
   Building schedules, current declarations pages, claims history, reserve/financial context (HOAs), and vendor relationships.
3. Risk Mapping & Proposal.
   We’ll present options with clear comparisons—limits, deductibles, exclusions, endorsements, and total cost.
4. Bind & Coordinate.
   We’ll issue certificates, notify stakeholders, and sync your management calendar for renewals and compliance checkpoints.
5. Quarterly Check‑Ins.
   Proactive reviews keep surprises to a minimum and premiums realistic over time.

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Real‑World Scenarios We Solve Every Week

• HOA plumbing riser failures: Align property, GL, and sewer backup limits; coordinate vendor scope; document cause and repair to support claims.
• Lender demands at escrow: Rapid certificate issuance, correct additional insured wording, primary & noncontributory endorsements.
• Board disputes over enforcement: Calibrate D&O terms and ERP (tail) coverage; communicate claims‑made nuance clearly.
• Apartment vandalism + downtime: Pair property coverage with Loss of Rents; ensure police reports and photos support timely payment.
• Flood mapping surprises: Evaluate NFIP vs. private options; confirm building vs. contents and waiting periods; advise mitigation.

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Our Promise: Valor, Virtue & Vigilance

• Valor—we step into complex situations and do the hard work to protect you.
• Virtue—we recommend what’s right, not what’s easy or oversold.
• Vigilance—we monitor, update, and improve your risk posture continuously.

You shouldn’t have to chase multiple vendors to stay covered. With our integrated approach, insurance becomes a lever for operational excellence, not an annual scramble.

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Let’s Talk

• Phone: 888‑388‑2864
• Web: davidandcompany.co
• Email: Reply to this message, and we’ll schedule your coverage review.

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Quick Note & Disclaimer

We provide insurance guidance and placement for Property & Casualty lines. Some specialty placements may be fulfilled via licensed wholesale/surplus lines partners. We are not a law firm and do not provide legal advice; we collaborate with counsel when legal interpretation is required.

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Want this tailored to a specific HOA or property?
Share the property type, unit count, current limits/deductibles, and any recent incidents. I’ll customize the coverage architecture and provide a draft proposal you can send to your board or ownership group.