Kevin Hirzel's Article in the washington post : Know which coronavirus-related risks are covered by your association’s insurance

As governors around the country ease stay-at-home restrictions, community association boards are forced to make difficult decisions regarding opening common areas, where once ordinary activities such as going to the gym or swimming pool or throwing a party are now fraught with risk. Managing social distancing during the pandemic is especially challenging for condominium and homeowners associations where residents live […]

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Coronavirus: What Condos and HOA’s need to know about reopening recreational facilities

Michiganders living in condominiums and homeowners associations have been subject to some form of a stay-at-home order since March 24, 2020 due to COVID-19. However, Governor Gretchen Whitmer has started reopening portions of Northern Michigan, and it is expected that the restrictions on recreational facilities in community associations throughout Michigan will be relaxed in the near future. However, at the […]

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BUSINESS INTERRUPTION AND LOSS OF USE INSURANCE CLAIMS RESULTING FROM COVID-19

In Michigan, as in most states, the state authority has significantly limited access to public places, stores, restaurants, movie theaters, offices, and other businesses through the issuance of executive orders prohibiting such access. For businesses whose viability depends on the public’s ability to access that business’ physical location, the issuance of such orders has resulted in a loss of use […]

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Fighting the Financial Impact of Coronavirus (COVID-19): The Small Business Administration’s Paycheck Protection Program and Economic Injury Disaster Loan and Loan Advance

The Small Business Administration (“SBA”) has made two significant programs available to help small businesses withstand the financial impact of the coronavirus (COVID-19) epidemic on the United States economy: (1) the Paycheck Protection Program; and (2) the Economic Injury Disaster Loan and Loan Advance. Both programs are intended to help small businesses by providing funds for necessary operational expenses. Businesses […]

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Common Contract Provisions with Contractors/Vendors in Michigan Condominium Associations and HOAs

Each year, the Board of Directors for Michigan condominium and homeowners associations make a multitude of difficult decisions regarding what work needs to be done within the association, what vendors to hire to perform various tasks, and how long those contracts should exist. Examples of the common contracts that the Board of Directors may execute on a routine basis include: […]

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Who is Responsible for Carrying Insurance on a Condominium?

Introduction For many people, purchasing a home is the largest investment they will make in their lifetime. While owning real estate should be considered an investment, it should also be viewed as a risk. Aside from the risk that the property will decrease in value, every homeowner should consider the risk that the property could be destroyed, as well as […]

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