Insurance costs in your HOA are still rising, but the market is shifting.

In this episode, Denise Haas sits down with Tressa Bishop, Senior Vice President at Alliant Insurance Services, to discuss premium trends, coverage models, and the risks boards need to watch for. They break down what happens when communities shift responsibilities between the association and owners, the fine print in master vs. individual policies, and why relying on “self-insurance” isn’t realistic.

Timestamps:

(00:00) Intro

(03:12) The basics of HOA insurance coverage

(03:54) Difference between admitted and non-admitted carriers

(12:53) How COVID impacted insurance premiums

(14:37) Unique insurance challenges in Colorado

(18:16) Shifting insurance responsibility to homeowners

(22:28) Clarifying horizontal boundaries in Colorado

(23:47) Moving to individual unit insurance policies

(25:06) Issues with shared walls and roofs

(27:58) Exploring self-insurance options for communities

(30:30) Explanation of HO-6 and HO-3 policies

(32:34) Coverage gaps with special assessments

(37:00) Tips for avoiding insurance coverage gaps

(40:47) Importance of building detailed insurance data

(45:41) What the HOA? Dog poop forensics

Connect with our guest:

Tressa Bishop on LinkedIn: https://www.linkedin.com/in/tressa-bishop/

Learn more about Alliant Insurance Services: https://alliant.com/

Connect with me:

Denise Haas on LinkedIn: https://www.linkedin.com/in/denise-haas-aa908219/

Learn more about Five Keys: https://www.fivekeyscm.com/

You can’t prevent every leak. But you can avoid calling your contractor at 2 a.m.

In today’s episode, Denise talks with Chris Boortz, Principal at ASR Companies, Inc., about what really goes wrong in HOA construction and what to do about it. From flooded units to million-dollar repairs, Chris shares his best advice for staying ahead of emergencies, assembling the right project team, and making sure communication doesn’t fall through the cracks.

Timestamps:

(00:00) Intro

(02:39) Proactive vs. reactive maintenance

(04:00) The importance of team collaboration

(05:28) Handling chaotic emergencies

(08:08) The value of contractor relationships

(09:20) Evolving bidding practices

(16:22) Effective communication strategies

(17:09) Weekly updates and community feedback

(18:33) A checklist for successful major projects

(19:23) Understanding project budgeting and team selection

(20:39) Community communication and budget finalization

(22:41) Handling unexpected issues and litigation

(34:17) A creative solution that saved time and money

Connect with our guest:

Chris Boortz on LinkedIn: https://www.linkedin.com/in/chris-boortz-498b6429/

Learn more about ASR Companies: https://www.asrcompanies.com

Connect with me:

Denise Haas on LinkedIn: https://www.linkedin.com/in/denise-haas-aa908219/

Learn more about Five Keys: https://www.fivekeyscm.com/

Got code violations in your HOA? You’re not alone. And that’s a good thing.

In today’s episode, we talk to covenant control attorney, David Graf, on why HOA enforcement is a necessary evil to maintain property value and thriving communities. We also explore the love-hate relationship between homeowners, boards, and HOA compliance.

Timestamps:

(00:00) Intro

(02:58) Challenges and misconceptions in HOA management

(06:27) The importance of community standards

(28:04) The power of responsibility in HOA leadership

(28:55) Building credibility and transparency

(34:16) Effective covenant enforcement

(38:25) Handling homeowner concerns with empathy

(50:32) Neighbor-to-neighbor tip

Connect with our guest:

David Graf on LinkedIn: https://www.linkedin.com/in/david-graf-7976b08/

Learn more about Moeller Graf: https://www.moellergraf.com/

Connect with me:

Denise Haas on LinkedIn: https://www.linkedin.com/in/denise-haas-aa908219/

Learn more about Five Keys: https://www.fivekeyscm.com/

In this inaugural episode of Hey Neighbor, Denise Haas sits down with Dawn Bauman, Chief Strategy Officer of the Community Associations Institute (CAI) and Executive Director of the Foundation for Community Association Research.

Dawn shares why the HOA model is misunderstood, how COVID and shifting social norms are still reshaping neighborhood life in 2025, and what it really means to be a “good neighbor” today. She dives into why enforcement shouldn’t be about fines, how modern board members need to think more like CEOs, and why understanding the financial and emotional cost of community living is key to a healthier future.

Timestamps:

(00:00) Intro

(01:51) Community challenges in 2025

(02:45) Covenant enforcement issues

(06:11) Economic, social, and environmental shifts post-COVID

(15:38) The origin and value of HOAs

(26:24) A developer's perspective on condominiums vs. apartments

(28:28) Future of community living

(29:39) Neighborly tips

Connect with our guest:

Dawn Bauman on LinkedIn: https://www.linkedin.com/in/dawnbauman/

Learn more about the Foundation for Community Association Research: https://foundation.caionline.org/

Connect with me:

Denise Haas on LinkedIn: https://www.linkedin.com/in/denise-haas-aa908219/

Learn more about Five Keys: https://www.fivekeyscm.com/

HOA life isn’t just about bylaws and board meetings, it’s about building something real.

Welcome to Hey Neighbor, the podcast for homeowners, board members, and community leaders who want more than just rules. They want connection, clarity, and a community that actually works.

Our mission is to help you unlock the full potential of your neighborhood, whether you’re navigating conflict, leading with purpose, or just trying to figure out what those HOA fees actually cover. If you care about where you live, and who you live next to, this is your space.

Hosted by community expert Denise Haas, Hey Neighbor dives into the real stories and behind-the-scenes truths of HOA life. Each episode, we explore the issues no one talks about but everyone deals with, from neighbor disputes and boardroom drama to financial transparency and shared wins.

Whether you're new to HOA life or a seasoned board member ready for change, this is where real talk meets real solutions - with just enough laughs along the way.

Subscribe now, and let’s build better communities together.