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One of the nation's largest and fastest growing insurance agencies specializing exclusively in community associations and land development.
Rothberg Specialty is a privately held retail insurance agency. We are licensed in 48 states and currently conducting business in over thirty-four in every region of the US, and we are steadily expanding.
Our concentration and focus in habitational insurance is deep-rooted in providing superior service and expertise to markets with adverse insurance conditions due to the propensity of uncontrollable weather-related catastrophic events — Hurricane, Wildfire, Tornado, Convective Wind and Hail.
Our long-standing carrier relationships, as well as exclusive insurance programs, enable us to be proactive and at the forefront in addressing tough market conditions while providing financially feasible solutions. We have strong market resources to both admitted and non-admitted carriers.
Specialized in communities facing hurricane, wildfire, tornado, and hail exposures — the hardest markets in the country.
Proprietary insurance programs with AM Best A-rated carriers not available through any other agency.
Community Associations (PUDs, Condo/Townhome, Co-Op), Apartments, Lessor's Risk, and Hospitality.
Schedule a consultation or FREE policy audit with our team.
Proprietary to Rothberg Specialty — the standard market simply cannot compete.
Rothberg Specialty is one of the nation's largest and fastest growing insurance agencies specializing exclusively in community associations. We launched a proprietary program exclusive to Rothberg Specialty — other markets and providers simply cannot replicate or compete with our coverages and savings.
Who It Covers: All types of community associations — single-family HOAs, POAs, master-planned communities, condominium regimes, mid-rise and high-rise buildings. Fully built-out communities at renewal, communities in transition from developer control, self-managed communities, and associations managed by third-party management companies.
How It Works: We run completely parallel to your existing renewal process — no disruption, no conflict. Your managers hand it off. We do all the work. No applications for your team to complete. Your board receives a true competitive quote from a nationally backed program.
The Problem: Carriers have pushed percentage-based wind and hail deductibles — typically 2–5% of insured value. On a $10M building, that's a $200,000–$500,000 deductible exposure. Boards are spending tens of thousands buying these down annually.
Our Solution: Rothberg's exclusive program delivers materially lower wind and hail deductibles — eliminating or significantly reducing the buy-down expense that boards face at every renewal. This is the single largest savings driver in our results.
Covers accidents or injuries that occur at the association, protecting the community from third-party claims.
Association-owned property insurance for common areas, building structures, and amenities against perils such as vandalism, fire, or natural disasters.
Protects board members and trustees when they make decisions on behalf of membership.
Coverage for volunteer board members and contractors whose insurance has lapsed.
Protects your association from theft by employees, board members, contractors, and property management companies.
Excess liability coverage and wind deductible buy-down programs tailored to your community's exposure.
DFW Community Association — Coverage expanded, nothing stripped to achieve these savings.
| Line Item | Incumbent 2024–25 | Rothberg Quote | Savings |
|---|---|---|---|
| Property Premium | $196,763 | $155,155 | $41,608 |
| General Liability | $111,120 | $79,577 | $31,543 |
| D&O Premium | $11,357 | $9,542 | $1,815 |
| Wind Buy-Down | $82,162 | $59,283 | $22,879 |
| Total Annual | $445,687 | $347,841 | $97,846 | 21.9% |
Expiring premium of $106,947 reduced to $62,869. Coverage broadened — Equipment Breakdown and Workers Comp added, two lines previously missing from the program entirely.
$39.5M total insurable value. Structural gaps corrected — wind/hail deductible reduced from 3% to 4% per building, D&O deductible cut from $50K to $5K per claim, umbrella now attaches over D&O.
Two highest-valued structures had no wind coverage. TWIA covered only $1M of $4.275M TIV. Rothberg rebuilt the program with wind coverage on all structures, added $400,000 Crime/Fidelity, and came in below the incumbent's renewal number.
Incumbent carried a $12,000 flat wind deductible with no form disclosure. Rothberg cut wind exposure by 78%, bundled Gold-form D&O, and rated all six dock slips — at 40% less total annual premium.
Over $65M TIV portfolio. Per-building wind deductible restructure and wind buydown savings. Rothberg moved the buydown to a rated surplus lines carrier at $78,835 — a 54% reduction — delivering $137,354 in total annual savings on a large-scale portfolio with rated surplus lines wind buydown.
The true market shop — giving boards what they should be asking for.
We run completely parallel to your existing renewal. No involvement from your current agent, no interruption to how your community operates.
No applications for managers to fill out. You provide the expiring policy and basic info. We handle submission, negotiation, proposal, and presentation.
Presenting a true competitive quote fulfills fiduciary obligations, creates documented due diligence, and protects board members individually.
From first shovel to board turnover — one firm, one relationship, complete coverage. Full-lifecycle insurance for developers — horizontal subdivisions and vertical multifamily alike.
Most developers have insurance. Very few have someone watching it. Rothberg Specialty operates in two distinct niches — land development and construction insurance, and community association policies — giving us visibility across the entire development lifecycle that no generalist broker can match.
Subdivision GL is routinely mispriced — and the declarant window closes before most developers realize it opened.
GL premium calculated on hard construction cost only — soft costs excluded. Can cut GL premium 20–30%.
One policy covering owner, GC, and all subs. Eliminates gap claims, simplifies lender compliance.
SWPPP exposure, dust, erosion controls underwritten as part of the program.
Structure GL coverage and insurance boundaries before the first HOA board is seated.
Qualification standards and AI endorsement tracking that make indemnity chains enforceable.
Condo and multifamily carry a distinct legal clock on declarant control. Know yours — and act before it expires.
We engineer the coverage handoff at sale and occupancy — no gap, no lender dispute, faster closings.
Identify your remaining declarant runway and restructure before the window closes. Condo vs. POA — different clocks, same strategy.
Developer-appointed board members protected before and after declarant control transfers.
Tiered buy-down structures sized to lender requirements and coastal or inland wind zone.
Construction defect claims surface years post-close. We size your tail to realistic exposure.
Since entering the Texas market, Rothberg has been advising developers on amending their CCRs to restructure insurance responsibilities between the association and individual unit owners. This proactive strategy reduces developer and association financial exposure when catastrophic events strike — before the documents are filed, not after the storm.
Sixteen-state legislative, market, and CAT risk framework. Operating in the most challenging and fastest-evolving insurance markets in the country.
Rothberg's anchor market. Exclusive program validated across DFW with Houston expansion underway. Epicenter of convective storm and hail exposure in the US.
Tornado Alley's most exposed market. A single 2024 hail event damaged 35,000 homes in OKC. Multi-state developer relationships provide warm entry points.
7th highest home insurance nationally. Dual exposure — Gulf Coast hurricane and interior tornado. Average HOA premium reached $4,123 in 2024.
Fastest-growing HOA market in the Southeast. Helene caused $5.5B in insured damage. State Farm filed for 27%+ rate increases. Active development pipeline.
Governor called rising premiums "a crisis." State Farm paid more hail claims here than any state except Texas. Wind and hail account for 93% of catastrophic losses.
Wildfire-driven market dislocation with mandatory FAIR Plan participation. Carrier exits and capacity reductions creating significant opportunities for specialized programs.
Located in Tornado Alley with significant convective storm exposure. Growing HOA market with limited specialized program access — Rothberg's exclusive program fills a critical gap.
One of the top hail-loss states nationally. Front Range communities face dual wildfire and hail exposure. Carrier retreat from high-risk corridors driving demand for specialty programs.
Expanding HOA market with tornado and convective storm exposure. Standard market programs increasingly inadequate for communities in higher-risk corridors.
Large, established HOA market with significant hail and wind exposure. Winter storm and freeze risk create complex deductible structures that standard markets routinely misprice.
Sits at the intersection of Tornado Alley and the Mid-South storm corridor. Growing suburban HOA development in the St. Louis and Kansas City metro areas.
Coastal and piedmont communities face hurricane and tropical storm exposure. One of the fastest-growing states nationally with rapid HOA community formation across the Research Triangle and Charlotte metro.
Significant coastal exposure from hurricane and tropical events. Hilton Head, Myrtle Beach, and Charleston corridors present complex wind and flood deductible structures requiring specialized placement.
Rothberg's home state and the largest independent HOA program in Tennessee. Tornado and severe convective storm exposure across Middle and West Tennessee with a rapidly expanding HOA market.
Mid-Atlantic coastal exposure with hurricane and nor'easter risk. Northern Virginia's dense HOA and condo market is one of the largest on the East Coast by unit count.
Eastern Washington wildfire exposure and western coastal wind risk. Carrier retreat from wildfire-prone corridors creating placement challenges that Rothberg's specialty programs address directly.
What every board member, property manager, and developer should know — but is rarely told.
During the period of declarant control, the developer (declarant) appoints the HOA or condo board and often sets the initial insurance program, reserves, and governing documents. This creates an inherent conflict: the declarant's financial interest in keeping operating costs low can directly contradict the association's need for adequate reserves, proper insurance, and sound infrastructure.
Under Texas Property Code §82.103 (condominiums) and Chapter 209 (POAs), board members — including declarant-appointed members — owe a fiduciary duty to all association members. Courts have consistently held that this duty does not disappear because the board was appointed by the developer. Declarants who underfund reserves, structure inadequate insurance to reduce carrying costs, or delay needed repairs to protect their pro forma have been successfully sued by unit owners and successor boards.
The implications are severe: personal liability for board members, special assessments levied against all owners, loss of Fannie Mae/Freddie Mac financing eligibility for units in the community, and potential criminal exposure under Tex. Penal Code §32.45 for misapplication of fiduciary property. Proper governance from day one — including right-sized insurance, adequately funded reserves, and CCRs structured in the association's interest — is not just good practice. It is legally required.
A properly structured community association program is not a single policy — it is a layered stack of coverages, each addressing a distinct exposure. Missing any one of them leaves your board personally exposed.
Texas Prop. Code §82.103 and Chapter 209 hold board members to a fiduciary standard — even unpaid volunteers. Your homeowner's policy does not cover this. Common claim types and their financial consequences:
~41% of HOA communities face a legal dispute in any 5-year period. 68% of D&O claims target individual board members. Avg. defense cost before settlement: $47,000.
Non-compliance renders units ineligible for conventional financing — directly affecting every owner's ability to sell or refinance.
Schedule a consultation or FREE policy audit. We're ready to help you find the right protection tailored to your unique situation.
Alternative Habitational Insurance Solutions, LLC
Nashville, TN
rothbergspecialty.com