Annual HOA Survey

A Complimentary Unit Owner Policy Review

We're extending a complimentary unit owner policy review to all individual unit owners in this community. Your master policy covers the building and common areas — but it does not protect your personal belongings, your interior finishes, your personal liability, or your exposure to loss assessments.

In our complimentary review, we will:

Confirm you have adequate loss assessment coverage
Identify any gaps between your policy and the master policy
Make sure your personal property and liability limits reflect your actual exposure
Ensure your deductible is one you can comfortably manage
Verify you have the correct policy type for your unit (e.g., condo vs. townhome)

No cost. No obligation. Just the right thing to do.

Contact us to schedule your review today.

Association & Contact Information

* Indicates required field

Association name *

Has your primary point of contact changed (board president, treasurer, or property manager)? (Yes / No) *

If yes, please provide the new contact's name, role, phone, and email *

Has your billing contact changed? *

If yes, please provide the new billing contact's name, phone, and email *

Has your mailing address for correspondence changed? *

Staffing & Management

Have you hired a property management company since your last renewal? *

If yes, please provide the property management company's name and contact information *

Have you hired any other employees (maintenance staff, doorman, concierge, groundskeeper, etc.) *

If yes, how many employees and in what roles? *

Does any employee, board member, or the property manager use a personal or rented vehicle on behalf of the association (running errands, transporting supplies or equipment, etc.)? *

Coverage to Discuss

Flood — "Most HOA master policies exclude flood damage entirely. A separate flood policy protects the building's structure against water damage from external flooding, regardless of your FEMA flood zone designation."

Would you be interested in discussing flood insurance for the building? *

Umbrella / Excess Liability & D&O — "Extends the association's liability limits beyond the master policy, protecting the HOA's assets and reserves if a lawsuit exceeds standard coverage. This is also worth pairing with Directors & Officers (D&O) liability, which protects board members personally against claims arising from their decisions on behalf of the association."

Would you be interested in discussing umbrella/excess liability and/or D&O coverage for the association? *

Sewer & Water Backup — "Covers damage caused by a clogged sewer line, failed sump pump, or backed-up drain — a common and costly loss for multi-unit buildings."

Would you like to add or confirm sewer & water backup coverage? *

Equipment Breakdown — "Covers the sudden breakdown of boilers, HVAC systems, elevators, electrical panels, and other mechanical or electrical equipment — losses a standard property policy typically excludes."

Would you like to add or confirm equipment breakdown coverage? *

Hired & Non-Owned Auto — "Covers the association's liability if a board member, employee, or property manager causes an accident while using their own or a rented vehicle for association business."

Would you like to add or confirm hired & non-owned auto coverage? *

Employee Benefits Liability — "Protects the association against claims of errors or omissions in administering employee benefit plans — relevant if the association has any employees."

Would you like to add or confirm employee benefits liability coverage? *

Property & Building Updates

Have you completed any major renovations or capital improvement projects since your last renewal? Select all that apply *

Have any claims been filed on the association's policy in the past 12 months? *

If yes, please briefly describe *

Are there any outstanding maintenance items the carrier has flagged that still need to be addressed? *

Please confirm that no charcoal grills or non-gas fire pits are being used on balconies, rooftops, or within 10 feet of any building. *

New residents should be informed of this rule to help maintain ongoing compliance.

Please confirm that smoke alarms, fire extinguishers, and exit signage throughout the building are being regularly inspected and maintained. *

Please confirm that stairs and railings throughout the property are in good condition. *

Please confirm that snow and ice removal is handled in a timely manner during winter months. *

Please confirm that major community systems (boilers, sump pumps, elevators, and similar equipment) are being properly maintained. *

Occupancy & Risk Factors

Approximately what percentage of units are owner-occupied vs. rented (long-term or short-term)? *

Do you allow short-term rentals (Airbnb/VRBO) in the association? *

Preferences & Feedback

Is the association considering any special assessments or major projects in the next 12 months? *

Would a meeting with our team serve the board better? *

How would you rate Flywheel's service this past year? *

Anything you'd like to add? (Questions/comments/concerns) *

By clicking the submit button I acknowledge and understand that it constitutes express written consent that the Flywheel Insurance can contact me at the phone numbers I have provided on this form, for the purposes stated above, via a combination of email, phone call, or text message as selected by me.

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