Articles for Self-Managed Homeowner Associations

The following articles were written by Michael Chulak from January 2020 to the current date to supplement our frequently asked questions section of this website and to assist HOA boards govern their associations in accordance with California law:



Why Does Michael Chulak Provide Free HOA Seminars?

Refinance Your Condominium - Get the Best Rate and Terms

Exclusive Use Common Area Maintenance Responsibilities

Reserve Studies Required – Reserve Funds

Borrowing from Reserves

Is Your HOA Protected from Fraud and Embezzlement?

Why Homeowner Associations Get into Trouble

Safety Considerations for HOAs and Apartment Buildings

Has Your HOA Been Suspended?

Waiving of Late Fees by Board Members

Late Charges - Homeowner Associations

Why You Should Run For Election to the Board of Directors of Your HOA

How to Get Elected to the Board of Directors of Your HOA

Filling Vacant Board Positions

Secret Ballot Elections

Candidate Forums–Board of Elections

Cumulative Voting

Pledge by Nominee for Election to Board of Directors

Increasing Attendance at HOA Annual Meetings

What Happens if Nobody Runs for the Board

Who Can Attend Board Meetings–Open Meeting Act

Most Common Reasons Board Members are Recalled

Breach of Fiduciary Duty by Directors of Homeowner Associations

Agenda Required for Meetings

Executive Session Meetings

Minutes of Executive Sessions

Minutes of Board Meeting Checklist

Recusal of Board Members

Emergency Board Meetings

Assessment Limitations – 20%

Special Assessment Limitations

Delinquent Assessments – Board Members

Board Members and Close Relatives Performing Work for HOA

Independent Insurance Brokers vs. Captive Agents

Insurance Coverage Options

HOAs-Say Goodbye to Independent Contractors

Directors & Officers (D&O) Insurance

Delegation of Duties by Board

Workers' Compensation Insurance Required by Homeowner Associations

Loss Assessment Coverage for Condominium Owners

Renters Insurance – Why it is Necessary

Checklist for Buying a Condominium


FHA Streamline Refinance

VA Streamline Refinance

FHA Certification of Condominium Associations

Owner Claims Against HOA – Water Intrusion

Service and Comfort Animals

Animals - Service, Therapy and Emotional Support

Dogs and HOA Insurance

Satellite Dish Antenna Rules

Homeowner Association Security

Summary of Reserve Study Laws

FAQ About Reserve Studies

Do Sewer Lines, Drain Lines, Gas Lines, and Plumbing Pipes Belong in a Reserve Study Calculation?

Consequences of Failing to Obtain Reserve Studies

Are Reserve Studies Required by FHA?

The 8 Most Common Legal Claims Against HOAs

Barbecues – Fire Safety

Homeowner Association Insurance - What you need to know

Selecting An Agent for Service of Process for Your Business

Duties of HOA President or CEO

Duties of Vice President of HOA Board

Duties of an HOA Treasurer - Chief Financial Officer

Duties of an HOA Secretary - Corporate Secretary

Duties of Member at Large - Director at Large

Post Earthquake Responses to Severe Earthquakes for Homeowner Associations

Conflicts of Interest

Community Association or Homeowner Association?

HOA Abbreviations and Acronyms

Rental Restrictions Effective January 1, 2021

Escrow Holder - Functions

Escrows in California

Lender's Questionnaire - Purpose

Accessory Dwelling Units – Granny Flats

Reasons to Amend or Restate Your Association's CC&Rs

Community Association or Homeowner Association? What is the Difference?

Before You Decide on Self-Management - Read This

HOA Self Management - Does it Make Sense?

How Much Does Self-Management Save?


We add and update articles regularly.



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