Community Association & Development Risk Specialists

Board Wise insights

Insurance education for boards, managers, developers, and the advisors around them.

Board Wise turns difficult coverage, deductible, governance, construction, and lender questions into practical decision guidance.

Featured briefings

Every article is dated, qualified, and written to support a conversation with the appropriate insurance, legal, engineering, lending, or accounting professional.

Lender requirements

Fannie Mae condominium project and insurance changes

What boards and managers should know about Limited Review retirement, reserve-study use, the 15% reserve threshold, roof loss settlement, and per-unit deductibles.

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Directors & officers

What community-association D&O is designed to do

A practical guide to insured persons, defense, wrongful acts, management-company protection, employment, discrimination, exclusions, and choice of counsel.

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Coverage architecture

The complete community-association insurance stack

How property, liability, D&O, crime, cyber, workers compensation, umbrella, and specialty policies fit together.

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Board Wise topics

Build an informed renewal and governance process.

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Wind and hail deductibles

Percentage mechanics, per-building exposure, buy-down economics, charge-back issues, and owner communication.

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V

Valuation and replacement cost

Statements of value, appraisals, coinsurance, margin clauses, inflation, ordinance or law, and roof settlement.

D

D&O and governance

Board decisions, enforcement disputes, elections, employment, discrimination, defense, management companies, and exclusions.

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Crime and social engineering

Association funds, management handling, employee theft, fraudulent instruction, computer fraud, and funds-transfer controls.

L

Lender and project eligibility

Condominium questionnaires, project reviews, reserves, deferred maintenance, deductibles, master policy, and owner coverage.

C

Developer and construction risk

Project GL, wraps, builder’s risk, risk transfer, governing-document insurance allocation, activation, and turnover.

Education formats

Use Board Wise in the room where the decision happens.

Topics can be adapted for association boards, community-management teams, developer groups, and professional advisors.

Board briefings

Focused explanations before renewal votes or major coverage decisions.

Manager education

Portfolio-wide sessions on recurring questions and renewal preparation.

Developer workshops

Risk transfer, construction, controlled-association, and turnover planning.

Written guides

Dated, source-linked summaries that can be retained with decision records.

Editorial standard

Useful without pretending one article answers every case.

Insurance information—not individualized coverage advice

Articles describe common issues. Actual coverage depends on the complete policy, endorsements, facts, applicable law, and carrier decisions.

Dated and source-linked

Time-sensitive regulatory and lender material should identify the publication date, last review date, and primary sources.

Professional boundaries

Rothberg Specialty does not provide legal, engineering, tax, accounting, or lending advice. Those professionals should be involved where their expertise controls the answer.

No fear-based guarantees

The purpose is to explain exposures and choices accurately—not to claim that one coverage prevents every lawsuit or guarantees a legal result.

Bring Board Wise to your next board or manager discussion.

Tell us the audience, timing, and insurance question. We will identify an appropriate briefing topic and format.

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