Association Living vs. Private Homes & Rentals
Q: What is the biggest difference between association living and rental living?
A: In an association the care of the building exteriors and grounds is governed by the Board, (elected homeowners from the property). Any interior maintenance to a person's home would be their responsibility. In a rental situation the property care and interior maintenance would be governed by the landlord.
Q: What is the biggest difference between association living and private ownership?
A: In an association the exterior care of the property is governed by the Board, (elected homeowners from the property). The Association is a mini government with a Declaration of Covenants, Conditions and Restrictions. In private ownership the governing body may be the village/town or city in which you reside.
Q: What role does the Board play in Association living?
A: The Board is a volunteer group of homeowners who have final authority for choosing a property management company, approving variances to ensure the integrity of the association's appearance and making decisions for the use and distribution of association fees.
Q: How does someone participate on the Board?
A: An individual is elected to the board usually at the annual meeting. They serve a set term and must be re-elected if they choose to continue their participation. (Length and number of terms are defined in the association's declaration.)
Q: What do I do in case of an emergency?
A: If the nature of the concern poses an immediate threat to the structure of the building or it's occupants, this would be a true emergency. Under these circumstances, please call 911 and then our emergency service at 248-3840.
Q: What are Crofton Associates', Inc. business hours?
A: Crofton Associates, Inc. is open Monday through Friday from 8:30AM to 5:00PM.
Q: What happens if I need help after hours?
A: You can reach our answering service by dialing our main number, 248-3840 or emailing to email@example.com to be reviewed the following day.
Q: Can I leave a voicemail message for my property manager?
A: Any message you wish to leave will be taken by our secretary or another member of our office staff during regular business hours.
Does the Association insure my home? What would that cover?
A: Each association's policy on this matter is different. Please visit your association's specific page on this site for more information.
Q: How can I get information about my association's policy?
A: If this is for a mortgage related issue, the certificate of insurance is usually the document needed. This can be obtained by contacting our office and asking for the number of the insurance company. If you need more specific information you are welcome to visit our office to read the pertinent insurance policy documents.
Q: Why should I purchase my own individual insurance?
A: An association policy will not cover an individual's belongings. It is important for a homeowner to purchase their own individual policy to cover contents (form HO-6 "all risk"). A commonly used generalization is: If you could turn your house upside down and shake it, anything that falls out would not be covered by the association's policy.
(An association typically purchases coverage for the structure of the building in the form of a casualty insurance blanket policy, a liability policy and Directors and Officers policy. What this means is if your home were to burn down, the association would finance rebuilding it to the builder's specifications. If any improvements or betterments have been made the association would not be responsible to replace them unless your association has purchased an HO-32 rider on the policy.)