Identity theft can happen to anyone, anywhere, and is a problem any time of the year. The National Foundation for Credit Counseling (NFCC) offers the following tips to help consumers protect themselves.
In many areas, flooding is the most common and costly natural disaster—and it can happen in your homeowners association. Just one inch of water in a home can cost thousands of dollars in cleanup and replacement costs, including drywall, baseboards, floor coverings and furniture. You may think you are covered, but many insurance policies do not cover flooding.
Cold and wet conditions cannot only make an Association miserable, but they can also create damage to the homes and buildings within the community. Some winterizing can wait, but some cannot! An HOA board can help residents out by making a list of what needs to be done, and tackle the time-sensitive tasks first. Here is a simple checklist for your homeowners association to stay on top of the winter season.
As a member of your homeowners association, when you bought a home in your community, you should have received copies of all the Association's governing documents—including the Covenants, Conditions and Restrictions (CC&RS) and Rules & Regulations—prior to or at the closing of escrow. The CC&Rs explain what the homeowners association is responsible for and what the homeowner is responsible for.
It has been a problem that man has battled since the dawn of time—controlling mold. It lurks in the corners and can cause major damage and nasty health issues. It doesn’t matter where you live - as long as moisture and oxygen are present, mold can grow indoors or outdoors on virtually any organic substance, including wood, paper, carpet, insulation and food.
Summer is in full swing, but the fall season will be here before we know it! This is a great time to do a little cleaning and dust off the cobwebs to give your home a fresh, new feel. Cleaning out and sprucing up your yard are good low-cost alternatives to major home improvement. Whether you hire a professional or have the skills and tools to do it yourself, here are some tips from an HOA board to improve your lawn and landscape in the homeowners association.
When you’re taking out the trash in your homeowners association, remembering what you actually threw away is probably the least of what is going through your mind. Most, but not all, identity theft now occurs electronically. But your identity can still be easily scored by thieves who make use of what you toss in your waste basket.