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	<title>APM News Express &#187; Insurance</title>
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	<description>Community Association Property Management, Palm Beach Co., Florida</description>
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		<title>Insurance Appraisals Required Every 36 Months for Condominium Associations</title>
		<link>http://www.apmnews.org/insurance-apprasials-required-for-condominium-associations/</link>
		<comments>http://www.apmnews.org/insurance-apprasials-required-for-condominium-associations/#comments</comments>
		<pubDate>Thu, 06 May 2010 12:05:29 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Operations]]></category>
		<category><![CDATA[hazard insurance]]></category>
		<category><![CDATA[insurance appraisal]]></category>
		<category><![CDATA[replacement cost]]></category>

		<guid isPermaLink="false">http://www.apmnews.org/?p=851</guid>
		<description><![CDATA[While researching an insurance question for a client, I was led to this section of Chapter 718 of the Florida Statutes.  This is a good reminder for all boards of directors to research and determine the last time that your association had an insurance appraisal that determined the “full insurable value” or “replacement cost” of your association property.]]></description>
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		<title>12 Ways to Lower Your Homeowners Insurance Rates</title>
		<link>http://www.apmnews.org/how-to-lower-your-homeowners-insurance-rates/</link>
		<comments>http://www.apmnews.org/how-to-lower-your-homeowners-insurance-rates/#comments</comments>
		<pubDate>Wed, 24 Feb 2010 23:29:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Residents]]></category>
		<category><![CDATA[homeowner insurance]]></category>
		<category><![CDATA[insurance rates]]></category>

		<guid isPermaLink="false">http://www.apmnews.org/?p=577</guid>
		<description><![CDATA[The price you pay for your homeowners insurance can vary by hundreds of dollars, depending on the insurance company you buy your policy from. Here are some things to consider when buying homeowners insurance.]]></description>
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		<item>
		<title>Is Your Association Covered by Workers&#8217; Compensation Insurance?</title>
		<link>http://www.apmnews.org/associations-and-workers-compensation-insurance/</link>
		<comments>http://www.apmnews.org/associations-and-workers-compensation-insurance/#comments</comments>
		<pubDate>Wed, 24 Feb 2010 23:27:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Management]]></category>
		<category><![CDATA[Operations]]></category>
		<category><![CDATA[Injury]]></category>
		<category><![CDATA[Liability]]></category>
		<category><![CDATA[Workmen's Compensation Insurance]]></category>

		<guid isPermaLink="false">http://www.apmnews.org/?p=583</guid>
		<description><![CDATA[If your association has any employees, employs any contractors or has any outside contractors that may do work for owners while on association grounds, then your association needs to be covered by Workers’ Compensation Insurance, in some form.  
]]></description>
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		</item>
		<item>
		<title>3 Ways to Ensure Your Family’s Safety if Your Home Floods</title>
		<link>http://www.apmnews.org/ensure-your-family%e2%80%99s-safety-if-your-home-floods/</link>
		<comments>http://www.apmnews.org/ensure-your-family%e2%80%99s-safety-if-your-home-floods/#comments</comments>
		<pubDate>Thu, 18 Feb 2010 20:47:12 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Residents]]></category>
		<category><![CDATA[Community Association]]></category>
		<category><![CDATA[Decisions]]></category>
		<category><![CDATA[Evacuation]]></category>
		<category><![CDATA[flooding]]></category>
		<category><![CDATA[Resident]]></category>
		<category><![CDATA[Safety]]></category>

		<guid isPermaLink="false">http://www.apmnews.org/?p=440</guid>
		<description><![CDATA[Review with your insurance agent all necessary insurance policies, including flood insurance.  After this review and securing flood insurance, there are several things you can do to minimize losses in your home and ensure your family’s safety.]]></description>
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		<title>6 Surprising Flood Insurance Misconceptions</title>
		<link>http://www.apmnews.org/surprising-flood-insurance-misconceptions/</link>
		<comments>http://www.apmnews.org/surprising-flood-insurance-misconceptions/#comments</comments>
		<pubDate>Thu, 28 Jan 2010 19:57:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Community Association]]></category>
		<category><![CDATA[Condominium]]></category>
		<category><![CDATA[Flood Insurance]]></category>
		<category><![CDATA[Owner]]></category>

		<guid isPermaLink="false">http://www.apmnews.org/?p=434</guid>
		<description><![CDATA[Flooding is the United States #1 natural hazard. The National Flood Insurance Program (NFIP) wants consumers to know that while homeowner's insurance won't cover them against flooding, they can protect their home and property by purchasing a flood insurance policy separately through their local insurance agent.]]></description>
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		<title>When Bad Things Happen to Good Associations</title>
		<link>http://www.apmnews.org/when-bad-things-happen-to-good-associations/</link>
		<comments>http://www.apmnews.org/when-bad-things-happen-to-good-associations/#comments</comments>
		<pubDate>Thu, 14 Jan 2010 18:24:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Accounting]]></category>
		<category><![CDATA[Board of Directors]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Maintenance]]></category>
		<category><![CDATA[Operations]]></category>
		<category><![CDATA[Statutes]]></category>
		<category><![CDATA[Community Association]]></category>
		<category><![CDATA[Effective Leadership]]></category>
		<category><![CDATA[Hazard]]></category>

		<guid isPermaLink="false">http://www.apmnews.org/?p=259</guid>
		<description><![CDATA[A Board of Directors can have all good intentions when running their association, but there will be times, unforeseen circumstances and events that will occur that will disrupt and test well run associations.  It is just a fact of life in an association that there will be challenges for the Board of Directors to deal with.  In a well run association these challenges are dealt with in way that lessens the impact on the residents. ]]></description>
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		<item>
		<title>Everything You Wanted to Know About Water Leaks &#8211; Part 2</title>
		<link>http://www.apmnews.org/water-leaks-in-condominiums-part-2/</link>
		<comments>http://www.apmnews.org/water-leaks-in-condominiums-part-2/#comments</comments>
		<pubDate>Thu, 10 Dec 2009 16:48:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Maintenance]]></category>
		<category><![CDATA[Operations]]></category>
		<category><![CDATA[Statutes]]></category>
		<category><![CDATA[Liability]]></category>
		<category><![CDATA[Negligence]]></category>
		<category><![CDATA[Water Leaks]]></category>

		<guid isPermaLink="false">http://www.apmnews.org/?p=220</guid>
		<description><![CDATA[In our last article about water leaks we reviewed exactly who (owner and association) is responsible for what portions of the overall structure, as defined by statute. (See December 1, 2009 APM News Express). In this article we will review variations of this, as negligence, maintenance, insurance coverage and insurance deductibles all play a part in what happens after a water leak. ]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Everything You Ever Wanted to Know About Water Leaks and Then Some&#8230;</title>
		<link>http://www.apmnews.org/water-leaks-in-condominiums/</link>
		<comments>http://www.apmnews.org/water-leaks-in-condominiums/#comments</comments>
		<pubDate>Wed, 02 Dec 2009 00:19:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Documents]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Maintenance]]></category>
		<category><![CDATA[Operations]]></category>
		<category><![CDATA[Statutes]]></category>
		<category><![CDATA[Liability]]></category>
		<category><![CDATA[Negligence]]></category>
		<category><![CDATA[Water Leaks]]></category>

		<guid isPermaLink="false">http://www.apmnews.org/?p=156</guid>
		<description><![CDATA[Every week it seems we have a condominium client, a property manager or an APM News reader who has a problem where there is a water leak from a unit above or from an adjoining unit. When this occurs, due to the nature of the leak, the circumstances, the source and finally whether there are insurance companies involved, we get different answers and conflicting information with each leak.]]></description>
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