Articles for HOA Boards

The following articles were written by Michael Chulak from January 2020 to the current date to supplement our frequently asked questions section of this website and to assist HOA boards govern their associations in accordance with California law:


Escrow Services for Homeowner Associations

Why Does Michael Chulak Provide Free HOA Seminars?

Saving Dollars for Homeowner Associations

Certified Vendor Programs - Caution

Management Company Owned or Affiliated Maintenance Services

Refinance Your Condominium - Get the Best Rate and Terms

Lender's Questionnaire - Purpose

Exclusive Use Common Area Maintenance Responsibilities

Reserve Studies Required – Reserve Funds

Borrowing from Reserves

Is Your HOA Protected from Fraud and Embezzlement?

Neighborhood Safety Evaluations

Why Homeowner Associations Get into Trouble

Unincorporated Associations

Reasons to Incorporate Your HOA

Has Your HOA Been Suspended?

Waiving of Late Fees by Board Members

Late Charges - Homeowner Associations

Why You Should Run For Election to the Board of Directors of Your HOA

How to Get Elected to the Board of Directors of Your HOA

Filling Vacant Board Positions

Secret Ballot Elections

Candidate Forums–Board of Elections

Peaceful Assembly

Town Hall Meetings

Cumulative Voting

Pledge by Nominee for Election to Board of Directors

Increasing Attendance at HOA Annual Meetings

What Happens if Nobody Runs for the Board

Who Can Attend Board Meetings–Open Meeting Act

Most Common Reasons Board Members are Recalled

Breach of Fiduciary Duty by Directors of Homeowner Associations

Agenda Required for Meetings

Executive Session Meetings

Who Can Attend Board Meetings

Recording Board and Homeowner Meetings

Minutes of Board Meetings

Minutes of Board Meeting Checklist

Minutes of Executive Sessions

Recusal of Board Members

Emergency Board Meetings

Assessment Limitations – 20%

Special Assessment Limitations

Delinquent Assessments – Board Members

Board Members and Close Relatives Performing Work for HOA

Independent Insurance Brokers vs. Captive Agents

Insurance Coverage Options

Commercial General Liability Insurance Coverage

Employment Practices Liability Insurance

Umbrella Liability Insurance Policies

Additional Insured Endorsements

HOAs-Say Goodbye to Independent Contractors

Certificates of Liability Insurance - Insurance Declaration Pages

Directors & Officers (D&O) Insurance

Delegation of Duties by Board

Workers' Compensation Insurance Required by Homeowner Associations

Loss Assessment Coverage for Condominium Owners

Renters Insurance – Why it is Necessary

Checklist for Buying a Condominium

Disclosures to Prospective Purchasers by Owners

Freddie Mac - Conventional Mortgage Loans

Fannie Mae Insurance Guidelines

FHA Streamline Refinance

VA Streamline Refinance

FHA Certification of Condominium Associations

Owner Claims Against HOA – Water Intrusion

Service and Comfort Animals

Animals - Service, Therapy and Emotional Support

Dogs and HOA Insurance

Satellite Dish Antenna Rules

Religious Items on Doors and Door Frames

Homeowner Association Security

Privately Owned Security Cameras

Summary of Reserve Study Laws

FAQ About Reserve Studies

Do Sewer Lines, Drain Lines, Gas Lines, and Plumbing Pipes Belong in a Reserve Study Calculation?

Consequences of Failing to Obtain Reserve Studies

Are Reserve Studies Required by FHA?

The 8 Most Common Legal Claims Against HOAs

Barbecues – Fire Safety

Balcony Railings

Balcony Tile

Before You Decide on Self-Management - Read This

HOA Self Management - Does it Make Sense?

How Much Does Self-Management Save?

Homeowner Association Insurance - What you need to know

Selecting An Agent for Service of Process for Your Business

Election of Officers by Board of Directors

Duties of HOA President or CEO

Duties of Vice President of HOA Board

Duties of an HOA Treasurer - Chief Financial Officer

Duties of an HOA Secretary - Corporate Secretary

Duties of Member at Large - Director at Large

Delegation of Duties by Boards

Limitations on Board Members

Disciplinary Hearings - Due Process


Duty to Investigate - Due Diligence

Duty to Review Association Finances

Post Earthquake Responses to Severe Earthquakes for Homeowner Associations

Conflicts of Interest

Community Association or Homeowner Association?

HOA Abbreviations and Acronyms

Real Estate Signs

Political Signs

Rental Restrictions Effective January 1, 2021

Occupancy Restrictions

Escrow Services Provided by Management Companies

Escrow Holder - Functions

Glossary of Escrow Terms

What is an Escrow Demand Letter for an HOA?

Accessory Dwelling Units – Granny Flats

Adopting and Amending Operating Rules

Reasons to Amend or Restate Your Association's CC&Rs

Community Association or Homeowner Association? What is the Difference?

Electric Vehicle Charging Stations

Audits, Reviews, and Compilations

Neighborhood Watch Programs for Your HOA

Noise Between Neighbors

Senior Communities (55+)

Family Day Care Centers

Tenancy In Common (TIC) Housing

We add and update articles regularly.



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