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Creative Financing for HOAs

So, you have deferred maintenance, sharply rising costs, and the coffers are bare…

By Caroline McCormick, CAMEx, CCAM

Civil Code requires that HOAs disclose deferred maintenance, but many do not. Boards try to "save money" by waiting to perform maintenance or make needed repairs. This mentality, coupled with inflation, post-COVID19 labor and material price increases, and the notion that maintaining assessments artificially low is a benefit to the community, has created funding challenges for many associations.


Robert W. Browning, PCAM, RS, and owner of Browning Reserve Group, believes that reserve studies are essential to the strategic planning of any community. "Having a professional study that’s reviewed annually just makes good business sense," says Browning. Start nine months before the fiscal year end by examining in detail the reserve study component list and funding scenario to make sure it is reasonable for your community. Make sure any...

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Ensuring Adequately Funded Reserves

…and Preparing for the Unknown

By Kumar S. Raja & Shelby D. Bennett

Throughout the state, many older common interest developments (CIDs) are struggling with costly repairs and large maintenance projects as buildings age. Is your CID prepared to replace major components without a special assessment? Do you have funds available to finance a roof replacement project? This article will review the importance of adequately funding reserves and identify future considerations that might impact current planning.


California law requires that CIDs conduct reserve studies every three years – and yet it does not set forth minimum funding requirements for reserve accounts. This means that a CID can conduct a reserve study and still not be prepared for replacing major components, such as common area roofs and structural components. The law provides some direction regarding reserve account maintenance. In short, boards must...

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Proactive Financial Management

President’s Message

By Laura Ravazza

This article first appeared in the Summer 2023 edition of The Communicator here.  

I hope this message finds you all in good health and high spirits. I want to take a moment to address an important aspect of our organization’s well-being – financial management within our homeowners associations (HOAs).

Managing the finances of an HOA requires careful planning and collaboration with our business partners. It is crucial that we work together effectively to ensure the financial stability and success of our communities. To achieve this, I encourage each of you to be proactive in your approach to financial management.

First and foremost, I urge you to not hesitate in asking questions. Whether you are a board member, a committee volunteer, or a concerned member, never be afraid to seek clarification or further information. Financial matters can be complex; and it is our duty to understand and actively participate in the...

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Trees and Concrete

By Adrianne Bauer

This article fist appeared in The Communicator, Spring 2023 Edition. 

There is no
 product more commonly used than concrete.

We can’t exist without trees providing this little thing called oxygen.

Therefore, trees and concrete exist in the same environment – sort of like cats and dogs. Trees continuously grow both up and out as they become older, changing their footprint. Concrete is a finite object that is most often damaged by trees. So, how do we make it all work?


During development, landscape architects and developers put together their brilliant plan to create a beautiful community, knowing that eventually there will be issues. Most developers/landscape architects install fast-growing trees in order for the property to sell quickly. Unfortunately for us, these fast-growing trees with fast-growing root systems create future issues that we find in almost all communities.

Once these...

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Elevator 101 – Knowledge is Control

(First in a series) By Barry Robbins

This article fist appeared in The Communicator, Spring 2023 Edition. 

Elevators remain a mystery to property owners and managers even after years of operation. Elevators are elaborate systems that require specialized knowledge and expertise to understand and maintain properly. Their mechanics involve electrical, mechanical, and hydraulic systems requiring regular inspection, maintenance, and repair.

These complex machines rely on various components to function properly. Each component has a specific role to play in the operation of the elevator; a failure in any one component can result in serious safety concerns. Understanding the different types of elevator components can help building owners and property managers to better manage and maintain their elevators and ensure the safety and well-being of building occupants. In the articles to come, we will provide an "Elevator 101" primary education of these various components...

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Are You Ready for the EV Revolution?

How to prepare for electric vehicle charger installations in common areas.

By Karen St. Onge, Esq

This article fist appeared in The Communicator, Spring 2023 Edition. 

It has been more than a decade since the Davis-Stirling Act was amended to provide for the installation of electric vehicle charging stations (EV chargers) and time of use meters in common interest developments (CIDs). Despite this legislation, installation of EV chargers in common areas has remained a rare occurrence, and the courts have not issued any appellate decisions interpreting sections 4745 and 4745.1 of the Davis-Stirling Act.

Recently, millions of dollars in rebates have become available for installation of shared EV chargers. These rebates are from the state and federal government in partnership with nonprofit organizations to further promote EV charger installations. So, how can associations take advantage of this free money and be prepared to respond to owners’ requests to install EV...

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Looking Beyond the Aesthetics

…and Putting Preventive Maintenance in Your Plan

By Wendy Benner Miller, CAM

This article fist appeared in The Communicator, Spring 2023 Edition. 

Why is it that there is often a substantially greater demand, more community involvement, and increased interest in the timeline for new pool equipment or annual plantings in a common area space than a community-wide roof, balcony, or dry-rot inspection?

While that may seem like a silly question, it is often the one that gets the most attention when a problem arises and preventive maintenance is Beyond the Aesthetics Looking long past possible. You see, living in a common interest development often allows for residents to focus on the amenities that drew them to a homeowners’ association in the first place, be it the pool area, a clubhouse, a park or tot-lot, and, seemingly most often, the landscaping that is magically groomed by an outside source. The focus on these items, while important, often takes...

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Partnering for Success: 7 Tips for Working with a General Contractor

Guest Blog by Char Tedrick

This article fist appeared in The Communicator, Spring 2023 Edition. 

Let’s face it – life is stressful. We can try every calming strategy in the book, practice meditation, breathwork, and yoga – but when you are responsible for the peace of mind and contentment of a large community of residents, we’re talking next level. You need to be prepared and ready to handle whatever the day brings.

When circumstances call for the services of a general contractor, chances are your needs are urgent and time is of the essence. When your community is depending on you for quick and reliable service and support, having those strong partnerships and vendor relationships in place is critical. You may have your nominated vendors and trusted partners, but you never know what the future may hold. It is always better to have options and the ability to make a calculated and thoughtful decision on work based off the bids of a few qualified...

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Timing is Everything with Asphalt Projects

By Mary Peterson and Erin Clark

There's a time and a place for everything and that includes your next asphalt project. Asphalt projects can be the most disruptive and daunting experiences for any community; they take timing, coordination, and community participation. However, they’re necessary to maintain or replace a surface that is used by everyone in the community.

The timing of these projects is critical to a successful outcome, and they also take preparation and must be heavily coordinated to ensure membership participation. The process starts with a conversation and a specific need. Are you ready for a maintenance coat, repairs, or replacement? Once this is determined, it’s best to work backwards from the end of the third quarter of each year. With so many pre-project details, it’s important to start your projects with enough time to prepare before commencing.

Asphalt is a conglomeration of aggregates, binders, and fillers. What looks to...

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An Exciting Year Ahead for BayCen’s Legislative Support Committee


When it comes to new Sacramento legislation that has the potential of affecting our industry, it’s fair to say 2022 was not the busiest year. Nevertheless, our chapter’s Legislative Support Committee (LSC), which supports the mission of CAI’s California Legislative Action Committee (CLAC), has been busy planning several exciting events and fundraisers for 2023, as well as continuing to support CLAC in its ongoing work.

First up is a Virtual Town Hall, our "Getting Ready for Advocacy Week" planning meeting (April 11). Then comes the ever popular and always important "Advocacy Week" event itself (held virtually, April 24-27). During Advocacy Week, CLAC delegates, homeowners, and other industry professionals meet with legislators to discuss potential impacts of bills the Legislature is considering, as well as other issues and challenges currently affecting their communities. LSC will also help support CLAC in its ongoing "Buck-a-Door" campaign, in which...

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