Align
Confirm the renewal date, board calendar, decision-makers, current process, and the scope of the alternative review.
For community managers
A complete insurance review without turning renewal into a second full-time job.
Rothberg Specialty works in parallel with the manager’s existing process, organizes the underwriting story, and gives the board a comparison it can actually use.
Designed around manager workload
You coordinate the community. We carry the insurance review.
Managers should not have to chase five versions of the same submission, decode incompatible proposals, or mediate technical coverage debates alone.
One organized intakeWe identify the documents that matter, explain why they are needed, and avoid unnecessary requests where possible.
Underwriter follow-throughRothberg manages carrier questions, building data, valuations, losses, roof information, updates, amenities, and open items.
Board-ready presentationThe decision package focuses on material differences in coverage, deductibles, limits, exclusions, and price.
Renewal-calendar disciplineWe work backward from the board meeting and effective date so decisions are not forced by an artificial last-minute deadline.
Direct escalation pathSenior agency leadership is available when a manager or board needs a clear answer on strategy or a material policy issue.
Parallel—not adversarial
Keep the incumbent renewal moving while building a real alternative.
Rothberg’s review does not require the manager to abandon an existing process. The association controls access, timing, and the final decision.
Gather once
Use the existing policies, losses, values, community data, and available underwriting materials as the base submission.
Work the market
Rothberg handles questions, follow-up, negotiation, structure comparison, and outstanding underwriting conditions.
Equip the board
Deliver an organized comparison and join the meeting or call when technical explanation will help the board decide.
Portfolio support
One manager may be overseeing ten different insurance problems.
Rothberg can help triage a portfolio by renewal date, catastrophe exposure, roof age, loss experience, valuation, existing deductible, and urgency.
Renewal calendar
Map communities by expiration, board meeting, notice date, and information readiness.
High-risk triage
Identify older roofs, electrical issues, unfavorable loss histories, coastal or wildfire exposures, and open claims.
Coverage consistency
Flag inconsistent D&O, crime, management-company, umbrella, deductible, and valuation structures across the portfolio.
Board education
Provide concise explanations, renewal briefings, and Board Wise educational sessions without overwhelming volunteer directors.
What the manager receives
A usable file—not just a carrier proposal.
Deliverables can be tailored to the size of the community and complexity of the renewal.
01
Open-item tracker
A single view of outstanding documents, underwriting questions, responsible parties, and due dates.
02
Coverage summary
A plain-English explanation of the current structure and the material terms under consideration.
03
Financial comparison
Premium, deductible, retained-risk, fee, limit, and selected coverage differences in one decision framework.
04
Board support
Meeting participation, renewal education, implementation guidance, and documentation of post-bind requirements.
Board Wise education
Help the board understand the decision before the vote.
Rothberg Specialty can provide manager- and board-focused briefings on master policies, wind and hail deductibles, D&O, fidelity, owner responsibilities, claims, and emerging lender requirements.
Lunch-and-learns and portfolio reviews
Education can be organized around the questions your teams are already receiving.
Sessions can be delivered virtually or in person, subject to scheduling and location, and can focus on board-facing explanations rather than insurance jargon.
Discuss a Manager SessionSummer 2026 documented results
Outcomes a manager can explain to the board.
Clear before-and-after figures, coverage changes, and carrier improvements give the management team a usable decision story.
Highest percentage — renewal displacement
Irving, Texas
$70,602$40,306
$30,296
42.9% saved
1,248 units—$24.28 per home per year. The general-liability carrier improved from A−(VIII) to A++(XV) with 50% more aggregate.
Read the complete case →Coverage broadened
Fredericksburg, Texas
$106,947$62,869
$44,078
41% saved
Equipment breakdown and workers compensation were added—two lines that had been missing from the program entirely.
Read the complete case →Six carriers to one tower
East Texas gated community
$335,663$286,859
$48,804
14.5% saved
1,800 lots. D&O cost fell 23.5% with two matters already open, and EPLI moved to its own $1M limit.
Read the complete case →Selected documented results. Savings and coverage terms vary by risk, underwriting conditions, policy period, and market availability. Past results do not guarantee future outcomes.
Manager FAQs
How the working relationship fits.
Will this create duplicate work for the management team?
The goal is the opposite. Rothberg starts with information already assembled where possible, centralizes follow-up, and identifies additional requirements only when they are material to underwriting or coverage.
Can Rothberg present directly to the board?
Yes. The manager can decide the appropriate format, including a written comparison, virtual meeting, in-person presentation, or a technical follow-up with designated directors.
Can you help communities that are not ideal risks?
Yes. Older roofs, open claims, adverse loss history, older systems, or complex catastrophe exposures require a different market strategy, but they are not automatic reasons to avoid a review.
Do you work with the association’s attorney?
Yes, when authorized. Rothberg can provide insurance-risk input while leaving legal interpretation and document drafting to counsel.
Can you coordinate multiple communities?
Yes. A portfolio calendar and triage approach can help identify which renewals need immediate attention and which can follow a standard workflow.
Give your managers a specialist they can reach.
Tell us about the portfolio, the next renewal, or the coverage question your board is trying to solve.