Below is a review of the posts on Facebook and LinkedIn from the past week. You can check out the full posts by clicking on the links.
NOTE: remember that we now post every other day.
The posts on Monday 12/22/2025, here and here noted HOA received 33% insurance premium reduction amid disaster driven increases and non-renewals. This might be a roadmap of sorts …
After running a gamut of increasing premiums and a notice of non-renewal,the a condo association tried something new this year when it came to insurance. The result yielded a 33% premium reductio! Yep, thought you’d be interested. (Note that the post is not meant as an advertisement, but just one way that associations might be able to reduce their insurance premiums.)
This association (which is in Tahoe) worked with RockRose Risk (linked in the post), a new company redefining how property coverage works in high-risk areas. The CEO had a lot of knowledge from his 20-year background in insurance – see the post for what he brought to the table to create a better model.
RockRose does a full site assessment, starting with a macro-view of area fuels reduction projects and then zooming in on the mitigations and home hardening done at the individual property level. Then it advocates for client associations with insurance carriers to negotiate cheaper premiums.
How it works is in the post. And also included in the company’s site reports are recommendations which, if implemented, could result in continued discounts and long-term protection.
For this condo association, RockRose approach took its over $1 million policy down to around $900,000 in the first year for the same level of coverage, putting over $400,000 back into property owners’ pockets. Not only did the HOA’s prior work finally pay off, but also other things noted in the post.
The association’s insurance premiums used to be around $155,000 per year, but the Caldor, Tamarack, and Dixie fires (to name a few) burned in and around Tahoe in recent years, have a quick and dramatically effect on that premium. And then the HOA received a notice of nonrenewal. It did what many associations do in that scenario -see the post. But it also wanted to see what else it could do.
It formed an insurance committee bolstered by many HOA members who had critical knowledge and background in insurance and wildfire. They spend multiple months researching, assessing, and eventually presenting RockRose’s assessment to the board. They were helped by the work of a municipal entity – see the post.
In 2026 and going forward the condo association plans on taking a portion of its savings and reinvesting in work to further mitigate fire risk (see the post) and developing a long-term risk mitigation plan.
What this association has done might serve as a roadmap for others there and around the country to self-mitigate and thus lower insurance risk and premiums.
TAKEAWAY: Talk to your insurance broker/agent to see what could be done to lower the carrier’s risk and the association’s premium. Then get to work.
The posts on Wednesday 12/24/2025, here and here, told us Warner Bros. escapes White camera operator’s reverse discrimination lawsuit. As EEOC Andrea Lucas solicits White men with alleged reverse discrimination claims (see our post of Sunday 12/28/2025), such suits are becoming more and more common.
But on Oct. 27 a federal Court of Appeals affirmed a federal trial court’s award of summary judgment (linked in the post) to WB Studio Enterprises, Inc. and Warner Brothers Entertainment, Inc., after a White camera operator’s appeal. The man had alleged he wasn’t hired due to racial discrimination and retaliation.
The camera operator cited to Warner Bros.’s DEI commitments as proof of discrimination, but the court found he ultimately could not prove that the DEI statement actually factored into the hiring process. What the Court held is in the post.
The worker’s hostile work environment claim was also shot down. Why the Court affirmed on that is also in the post.
The case is another instance of reverse discrimination moving through the courts. Companies have stepped back from DEI (voluntarily or otherwise) and beginning in 2025 there have been warnings from the EEOC and other federal agencies (linked in the post) of DEI activity potentially being illegal.
But several lawsuits alleging DEI-based discrimination have been unsuccessful. For example, a court dismissed a White professor’s claim that Penn State Abington maintained a racially hostile environment; this too is linked in the post. There was also a federal court ruling in favor of 3M relative to a White male former worker’s bias allegations (also linked in the post).
But not every reverse discrimination case has been dismissed or decided in favor of the employer. Earlier this year, Texas A&M University-Texarkana settled a White former worker’s race bias lawsuit for huge dollars – see the post.
TAKEAWAY: Done the right way, DEI is not only legal but may be required based on anti-discrimination statutes. Employers should not let federal agencies dictate their actions without taking a careful look at what is being done and discussion it with an employment lawyer.
The posts on Friday 12/26/2025, here and here, were HOA and Condominium Q&A: Must committee meetings be noticed to owners?
Someone asked about the requirements for a 1,000-member homeowners’ association to make known to owners the time and place of committee meetings. The answer is probably not dependent on the size of the community, but rather on state law and the association’s bylaws.
As is true in many states, FL law distinguished between HOAs and condominiums. For HOAs, FL law provides the requirements for notice of board meetings (which are noted in the post). The same requirements apply to committees in the circumstances noted in the law (and in the post).
For condominiums, FL law also provides for notice requirements for board meetings and certain committee meetings (as described in the post). But other committee meetings do not have to be noticed if the bylaws provide an exemption.
TAKEAWAY: Know what PA law (and your bylaws) require for notice of your homeowners’ or condominium association board and committee meetings. Work with a community association lawyer to make sure you get it right.
York, Pennsylvania 17403