HOA Coverage Audits · California
Know whether your HOA is actually covered before the claim, not after.
Caissonix reviews your association's master insurance policy against your CC&Rs, reserve study and today's rebuild costs, then delivers a plain-English report your board can act on.
- Written by a property claims adjuster
- Fixed scope, clear deliverable
- Built for boards and property managers
How it works
Three steps. No meetings required.
Send your documents, we do the review, and you get a written report your board can read in one sitting.
Send your documents
Upload the master policy and declarations, your CC&Rs, the latest reserve study and basic building details through a secure link.
We review the gaps
We compare what your governing documents require with what the policy actually covers, and check limits against current rebuild costs.
Get a clear report
You receive a written report that flags underinsurance, coverage gaps and deductible exposure, plus questions to bring to your broker.
Services
Focused reports, built for decisions
Each service is a fixed-scope written review with a defined deliverable.
HOA Coverage Audit
A review of your association's master insurance policy against its CC&Rs, reserve study and current rebuild costs, written for HOA boards and property managers.
Pricing: [PLACEHOLDER: TBD]
- Building limits compared with current rebuild cost
- Policy terms checked against CC&R insurance requirements
- Deductible exposure for the association and owners
- Coverage gaps, exclusions and endorsements to ask about
- Reserve study cross-check
- A written report your board can share
California Property Insurability & Permit History Report
For home buyers: a pre-purchase look at permit history and the property factors that can affect getting insurance in California.
Security Plan Pack for Tax & Bookkeeping Offices
A ready-to-adopt Written Information Security Plan (WISP) package to help tax and bookkeeping offices meet the IRS requirement for a written security plan.
About
Gregor McNabb
- Senior general adjuster since 2006Nearly 20 years in California property claims
- M.S., Construction ManagementTraining in how buildings are built and rebuilt
- Xactimate expertThe estimating platform used across the property claims industry
- Licensed adjuster: California and HawaiiLicensed insurance adjuster in both states
- Google Cybersecurity CertificateBackground for the WISP security plan pack
I've spent nearly two decades handling property claims. Too often the problem isn't the loss itself. It's finding out after the loss that the policy didn't match what the association needed: limits set years ago, a deductible nobody budgeted for, or a requirement in the CC&Rs the policy never addressed.
Caissonix exists to catch those issues early. I combine claims experience with a construction management background to review your coverage the way it would be tested in a real claim, and I write it up in plain language a volunteer board can use.
The reports are reviews, not sales. I don't sell insurance, so the goal is simply a clear picture you can take to your broker and your board.
FAQ
Common questions
What do I need to send?
The current master policy with declarations and endorsements, your CC&Rs (or the insurance section), your most recent reserve study, and basic building information such as unit count, square footage and year built.
Are you an insurance broker or a lawyer?
No. Caissonix doesn't sell or place insurance and doesn't give legal advice. The report is an informational review that helps your board ask better questions of your broker, attorney and reserve specialist.
Is this an appraisal?
No. Rebuild costs are used as a reasonableness check on your limits. The report isn't a formal appraisal or replacement cost valuation.
How long does it take?
Turnaround depends on the size of the association and how complete the documents are. You'll get a timeline when we confirm the scope. [PLACEHOLDER: standard turnaround TBD]
Do you work throughout California?
Yes. Caissonix serves HOAs throughout California. Reviews are done remotely from your documents, so location isn't a barrier.
Contact
Request an audit
Tell us a little about your association and we'll reply with next steps and a document checklist.
Prefer email? Write to
Please don't send policy documents by email. We'll send a secure upload link.