Posted on September 11, 2017 8:00 AM by HOA Sites
Categories: HOA Website
In order to make your home a more secure place, you may have considered installing a home security system and networking with neighbors through the neighborhood website.  Before you splurge on a sophisticated security system, there are a few factors you should understand.
While a homeowners association usually provides a safer place, privacy is also an area of concern and every HOA should asses that carefully in relation to local and state regulations.  What are the most vital aspects of a sound home security system?

A security system with external cameras is a modification to the exterior of your home and typically needs authorization from the HOA.  The homeowners association will conduct a review to determine whether or not your system is reducing the privacy of other homeowners and limiting the enjoyment of their property.  Additionally, the HOA board may want to review your home security system to verify that cameras are in a respectable location with regard to your neighbors’ property.
Goals & Purpose

Often, there is a distinct purpose for a security system to be installed that goes beyond the obvious security reasons.  What do you look to achieve by installing external security cameras?  Will you monitor the cameras, retrieve footage online, or store the recordings to be analyzed later?  Prior to having the system installed, research the neighborhood website for information and know what the rules are in your homeowners association.
Location Of Installation

The best location to install your cameras is in the least visible spot.  Beyond that, you should ensure they mainly focus on your property and avoid positioning them where they may capture a neighbors’ home.  A majority of homeowners opt for a flashy home security system these days but they should be installed according to the HOA rules.  As a homeowner, the goal is to find a balance between your desire to feel secure and the privacy of those who live next door.
Posted on August 28, 2017 8:00 AM by HOA Sites
Categories: HOA Website
Newsletters are important to any homeowners association as they play a role in keeping homeowners informed and increase participation in HOA activities.  Together with social media and the HOA website, newsletters are a great way to raise awareness on issues that need more attention.  Some homeowners may be busy with daily life so take the necessary steps to ensure you create an attractive and informative newsletter.  This advice will guide you towards creating an appealing newsletter for your homeowners association.
Capture The Readers’ Attention

First, a newsletter must attract and captivate the reader.  In order to achieve this you should know what kind of people will be reading the information.  Since most homeowners are usually working adults, write and format your newsletter in a professional way to capture their attention.  Newsletters that are poorly formatted and contain casual language will likely be ignored by homeowners.
Content on the HOA website and in the newsletters should be written in a clear and simple format.  Avoid using jargon that readers may not be aware of as that can cause them to lose interest and stop reading the newsletter.  Instead, write in a direct way and use terminology all homeowners are familiar with so readers continue to read the newsletter every month.
Relay Useful Information

Obviously, the goal of the newsletter is to make sure it contains information that readers will find helpful.  Include information that homeowners want to know and incorporate an image or chart to present statistics.  Visual aids are effective towards keeping the reader interested and it enhances their understanding of your newsletter.
The last aspect to remember about newsletters is that most readers prefer them to be concise.  Ensure the newsletter is brief and avoid using harsh warnings, rules, or ultimatums.  If homeowners have participated in HOA activities, mention their name in the newsletter as this will make it more appealing to read and encourage volunteering in the future.
Posted on August 7, 2017 8:00 AM by HOA Sites
Categories: HOA Website
There are a number of factors that cause the rise or fall of property value in any community.  Many homeowner association websites tend to wrongly attribute such changes in property values to factors that seem obvious at first glance but this has led to a variety of misconceptions.  The following are some common misconceptions about property values that have been brought to light.
The Effect of Assessments

Often, homeowners have an assumption that assessments can raise or lower property values.  In fact, some homeowner association websites fail to display high assessment scores for fear that it might turn away prospective buyers.  The truth is that assessments tend to factor in areas that are not necessarily linked to the value of the property.  Instead, homeowners associations should be focused on giving residents more value for their money and share information with them about the budget.

Another misconception is that the presence of renters in the community affects property values.  This has been advanced by lenders as they use that information when making decisions on loan applications.  HOA boards should think of renters as potential homeowners and treat them like full members of the community.  On occasion, renters decide to become homeowners and buy the home if they feel a sense of community.
Lack Of Uniform Design

Property values are affected by design standards, not by whether or not the houses are of a uniform architectural design.  All homeowners should adhere to baseline aesthetic standards but homeowners also expect small alterations to be allowed.  However, HOA’s must ensure that the aesthetic value of the property in the area remains high.
The value of any given property is affected by the aggregate value of the properties around it.  Homeowners associations maintain good property values by collecting an adequate maintenance fee and getting the community to participate.  The role of maintenance falls on the board, but homeowners can help improve property values by supporting their HOA board.
Posted on July 11, 2017 8:00 AM by HOA Sites
Categories: HOA Website
Homeowners associations are in place to protect property values, look out for our welfare, and that of the community we live in.  Most associations send out communication through regular mail, email, or updates on the community website.  Many homeowners have busy lifestyles and become preoccupied with other tasks so it is easy to disregard important communication from the HOA board.  When you receive communication from your homeowners association, there are a few actions you should refrain from to avoid missing important messages.
Electronic Communication

The first step when it comes to electronic communication is to ensure emails from your homeowners association don’t go to the spam folder.  Your HOA may be sending emails instead of regular mail as a way to reduce costs and lower their carbon footprint.  Take the time to read emails because they could be relaying important messages regarding reminders about upcoming maintenance in the community, minutes of HOA meetings, or requesting your presence regarding an issue.
What Not To Do With Print Communication

Print communication from the homeowners association may come in the form of notices on bulletin boards, fliers, and newsletters.  A copy of the Covenants, Conditions, and Restrictions is also handed to you upon moving in.  Never ignore mail from the HOA board as it may be an urgent notice that requires your immediate attention.  Some notices might contain reminders about HOA fees or a new rule that you need to adhere to.
Ideally, it is best to read mail from the association before disposing of it or you might incur a fine by unknowingly failing to follow a new rule.  Visit the community website as often as possible to see if any updates have been posted that concern you.  As a homeowner, staying informed and adhering to the HOA guidelines is always a good idea!
Posted on June 16, 2017 8:00 AM by HOA Sites
Categories: HOA Website
Homeowners associations offer many advantages to residents but the level at which you enjoying living there is usually determined by how active you are in the community.  There are also other aspects to consider that play a role in maximizing the experience you have such as the homeowners association website and interaction with neighbors.  What will ensure that you get the most out of living in a homeowners association?
Learn Through Meetings

HOA meetings are an excellent way to stay informed and make it possible for your voice to be heard whether you recently relocated or have lived in the community for years.  Particularly, the biggest advantage with attending a meeting is that you always know the latest about important matters.  During the annual meeting, major projects and the potential for an increase to the HOA fees are discussed in detail.
Typically, the meeting calendar is posted to the homeowners association website so frequently check there to know when the meetings will be held.  The next step towards an enjoyable living involves relaying issues to the manager or the person in charge.  Often, all it takes is explaining what the problem is so corrective action may be taken to remedy the situation.  What else can influence how much you enjoy living in a homeowners association?
Involvement In The Community

In an HOA, there are committees that deal with the different aspects of the association and volunteering for a committee is a great way to get involved.  Not only does it give you a sense of working together with neighbors to achieve a common goal but it also strengthens the community.  If the community thrives, it becomes a more enjoyable place to live so volunteer a little of your time and you just might find that you get more value out of it than expected.
Posted on May 31, 2017 8:00 AM by HOA Sites
Categories: HOA Website
The process of collecting HOA fees is a constant that homeowners can always expect when living in a homeowners association.  That fee covers the maintenance on amenities in the neighborhood and costly projects that require money to be set aside for in a reserve fund.  The amount is different in each homeowners association but you can expect to pay them monthly, quarterly, or annually.  However, the association is prohibited from certain acts should you not pay the HOA fees on time.  Have you checked your rights on the neighborhood website?
Fair & Equal Treatment

While it is policy to pay HOA fees, there is an act in place that protects homeowners called the Fair Debt Collection Practices Act, or FDCPA.  The FDCPA limits what the homeowners association is allowed as it prohibits any harassment of a member.  Unpaid HOA fees are considered a debt according to the act but it controls how collectors conduct themselves.

First, collectors must maintain a level of respect and not use any means of coercion to obtain the overdue fee from a homeowner.  Other actions prohibited under the act are threats of violence, harassing, repeated phone calls, and publishing their name on the neighborhood website.  All of which have little effect on the homeowner actually settling their balance when patience and understanding have a positive impact.  Additionally, the amount should never be exaggerated as the association could be sued.
Proper Collection Technique

Most homeowners know the right path for the association to collect HOA fees as they entered into that agreement when they purchased their home.  If that agreement is violated, then homeowners have a right for their fees to be settled legally and professionally.  Periodically, the HOA Board should allocate time to communicate what HOA fees are used for and emphasize how they improve the quality of life for all homeowners.
Posted on May 15, 2017 8:00 AM by HOA Sites
Categories: HOA Website
Threatening thunderstorms accompanied with lightning are primarily an occurrence during the summer months.  The HOA website rarely has information about lightning as the risk of it causing a fatality is highly unlikely when the proper precautions are taken.

Last year, less than 40 fatalities occurred in the United States as a result of lightning but there a couple of key statistics that should get all homeowners attention.  Over the last 10 years, there has been an average of ten fatalities for the month of July while June has averaged seven.  How does this factor into your safety as a homeowner?
Lightning Safety Tips

June, July, and August are the months with the highest potential of encountering a thunderstorm with lightning.  Always take this into consideration anytime you have plans that will be happening outdoors.  The easiest way to do that is to use a weather app on your smartphone or frequently visit a weather website to know the latest forecast.
If severe thunderstorms are in the forecast, change your plans to another day or have a backup plan to move inside until weather conditions improve.  Hopefully you are at home when lightning strikes so you can unplug any electronics that are not being used.  When it comes to electronics, a surge protector helps reduce the risk for electrical damage, but the best form of prevention is to unplug those appliances or devices.
Stay Protected In Your Home

Lightning is known to transfer a strong current to electrical outlets when it strikes and the same thing can happen to the plumbing in your home.  When you hear lightning, exercise caution by postponing any action that requires the use of a faucet or shower and stay away from windows.  Visit the HOA website frequently so you remain aware of the best ways to protect yourself and your home when severe weather is in the area.
Posted on May 1, 2017 8:00 AM by HOA Sites
Categories: HOA Website
Homeowners associations have rules for homeowners to comply with that is for the benefit of the community and to protect the value of homes.  Occasionally, some homeowners may break the rules unknowingly but they get informed through the homeowners association website and follow what is outlined in the rules.  However, there are a select few who violate the rules more frequently and it’s the responsibility of the HOA board to enforce the rules or make a modification.  What should a board member take into account before modifying the HOA rules?
Areas Of Importance
Board members that plan to modify or implement a new rule must do so according to the authority which is granted in the CC&R’s.  The process from one homeowners association to the next will likely differ from state to state.  Typically, the first step in changing an existing rule or creating a new rule is to submit it to members for a review.  They are given time to critique the proposal and offer their opinion about the changes to the HOA board.
An important element to any rule change is to explain the reason for it and the positive effect that you expect to follow.  After members respond, the board analyzes the proposed rule change and takes into consideration the insight offered by all the members.  Then, a vote is held where the HOA board determines if the rule change will be approved or not.
Find A Balance
Most homeowners associations strive to offer a community and a homeowners association website that residents are proud of.  At times, rule changes may be necessary to keep the association thriving while providing people the opportunity to enjoy where they live.  Anytime rule changes happen, board members should ensure they are consistent, reasonable, and equally enforced so homeowners always feel inspired to comply.
Posted on February 10, 2017 8:00 AM by HOA Sites
Categories: HOA Website
Throughout the year, a variety of issues in the homeowners association are discussed during meetings.  Occasionally, various issues have a direct impact on your life as they might involve upgrades in the community that lead to higher HOA fees or a special assessment.
One of the many advantages to living in a homeowners association is that you can follow the homeowners association website and voice your opinion at meetings.  How can you make a difference on community issues in your homeowners association?
Your Right To Vote
In any homeowners association, there are certain issues that need to be addressed every so often.  Homeowners may participate in how these issues are resolved by casting their vote at the annual meeting.  Typically, the homeowners association notifies each resident several weeks in advance so they can make arrangements to attend.
Residents unable to attend are advised to contact a board member or read the governing documents to learn about voting using a proxy.  With a proxy, you should always use a well-trusted person to ensure your vote is placed according to your wishes.
There are two ways you can vote by proxy in most homeowners associations which is by a general proxy and a directed proxy.  Both grant another person the right to vote on the homeowners behalf with one important difference.  A general proxy gives the person the right to vote without specifying how that vote is cast, but a directed proxy specifically directs how the person should cast the vote.
Who Will Represent You?
Homeowners should make voting a priority as it helps represent the community more accurately when people have a voice on issues.  The HOA board election is a key component when it comes to your rights in the homeowners association as elected board members control the future of the community.  Check the homeowners association website periodically or ask a board member if you want to know more about your rights.
Posted on January 27, 2017 8:00 AM by HOA Sites
Categories: HOA Website
Maintenance and insurance issues in the homeowners association may cause confusion among HOA board members.  The task to differentiate between areas covered under the insurance policy and items that are considered maintenance requires understanding the responsibilities of each.  The community website informs residents of many topics in the homeowners association but experience is often needed to distinguish between insurance and maintenance.
Identify Responsibility
Maintenance is responsible for certain areas of the homeowners association such as the streets, roofs, and landscaping.  The first step in establishing what is covered under maintenance in the HOA is to identify the responsibilities as outlined in the governing documents.  The governing documents, or CC&R’s, clarify the responsibilities and limitations of maintenance.
For instance, maintenance covers replacing roofs due to deterioration but that coverage has boundaries.  In the CC&R’s, there’s a portion that explains what maintenance accounts for and also what insurance is supposed to cover.  HOA board members must act according to the governing documents and keep maintenance issues separate from items covered by insurance.  Without the community website, would you know where insurance coverage begins?
Ensure Proper Coverage
It’s not unusual for board members with limited experience to be unaware how to handle maintenance and insurance matters.  In regard to insurance, board members should confirm the homeowners association has adequate coverage that meets or exceeds the minimum requirement.  Typically, this requirement is found in the bylaws and includes details about the insurance policy intended for the association.
The key is for board members to realize the importance of insurance and the time when it is necessary.  Maintenance is meant to keep the homeowners association up-to-date where insurance is meant for times where part of a building is destroyed.  Ideal action for the HOA board is to consult with a professional about insurance coverage that complies with the CC&R’s.
9761 Crosspoint Blvd
 Suite 400
 Indianapolis, IN 46256
Phone: 317.608.6533