Homeowners Association — LCA Field Module

Association / Development

HOA name / contact / management

Community address / website

Date / inspector

Total dwellings / lots / developed lots

Housing types / units per building

Owner vs renter / seasonal / other mix

Development year / expansions

Common property owned/maintained

Underwriting Focus — Association / Development

Define the association boundary and which property it owns or maintains.

Roads / Entry / Exterior

Private/public roads / miles / condition

Sidewalks / curbing / parking

Landscape medians / irrigation

Streetlights / posts / signs

Entrance gates / control method

Perimeter walls / fences / linear feet

Signs / decorative columns / fountains

Model homes / active developments

Underwriting Focus — Roads / Entry / Exterior

Distinguish HOA roads from public streets and note the condition of any entrance feature maintained by the association.

Common Buildings / Staff

Common structures / SF / construction

Clubhouse / office / social rooms

Clubhouse kitchen / appliances

Fitness room / equipment securing

Guardhouse / cabana / maintenance

On-site manager / staffing hours

Outside vendors / COIs

Underwriting Focus — Common Buildings / Staff

Document each structure separately and request a building supplement for larger occupancies when applicable.

Pools / Playgrounds / Sports

Pools / spas / locations

Pool fencing / gate closure / latch

Life ring / rescue pole / depth & rules

Drain cover photos / VGBA support

Spa controls / timer / temperature sign

Tennis / pickleball / shuffleboard

Playground / surfacing / age group

Saunas / other recreational exposure

Other recreation / common event uses

Underwriting Focus — Pools / Playgrounds / Sports

Site-specific photos do not by themselves confirm drain-cover compliance or adequacy of barriers.

Waterfront / Grounds / Exterior

Ponds / canals / lakes / fountains

Docks / seawalls / boat ramps

Beach / designated swimming access

Shoreline slope / gates / warnings

Carports / retention / drainage / trees

Underwriting Focus — Waterfront / Grounds / Exterior

Document water access and posted warnings; do not imply a natural water feature is safe.

Security / Insurance / History

Guards / armed status / patrol method

Vendor contracts / COIs / policies

Alarm / sprinklers / extinguishers at buildings

Common building / contents estimated values

Losses past five years

Unverified ownership or restricted areas

Underwriting Focus — Security / Insurance / History

Contractor certificates and alarm presence do not replace review of actual site exposures.

Photographs to Obtain

Check when obtained. Priority photographs are bold; required only where applicable, safe and permitted. Record restricted access or missing documentation.

Editable Narrative Insert

Replace bracketed cues with reported or verified facts; delete claims that do not apply. Save your draft and copy the finished narrative into the report.

The [association name] manages a community containing [dwelling/lot counts and types] developed in [year], located at [address]. Its documented property/maintenance responsibilities include [roads, walls, facilities and grounds]. Roads are [public/private] and total approximately [distance], with observed pavement, lighting and sidewalks described as [conditions]. Entrance features consist of [gate controls, walls, monument signs, guardhouse and landscaping].

Common structures include [clubhouse, office, guardhouse, cabanas and maintenance buildings; SF/construction], used for [activities]. Recreational facilities consist of [pool/spa, courts, gym, playground and other], with pool enclosure, rescue equipment, signs and drain-cover documentation observed/reported as [details]. Water exposures include [lakes, docks, beaches, seawalls and posted warnings].

On-site management, security patrols and contracted maintenance include [hours, vendors and COI evidence]. Fire/life safety systems for relevant buildings consist of [details]. Estimated association-owned values are [amounts/source], reported five-year losses include [details], and unverified exposures or documents are [limitations].

The [association name] manages a community containing [dwelling/lot counts and types] developed in [year], located at [address]. Its documented property/maintenance responsibilities include [roads, walls, facilities and grounds]. Roads are [public/private] and total approximately [distance], with observed pavement, lighting and sidewalks described as [conditions]. Entrance features consist of [gate controls, walls, monument signs, guardhouse and landscaping]. Common structures include [clubhouse, office, guardhouse, cabanas and maintenance buildings; SF/construction], used for [activities]. Recreational facilities consist of [pool/spa, courts, gym, playground and other], with pool enclosure, rescue equipment, signs and drain-cover documentation observed/reported as [details]. Water exposures include [lakes, docks, beaches, seawalls and posted warnings]. On-site management, security patrols and contracted maintenance include [hours, vendors and COI evidence]. Fire/life safety systems for relevant buildings consist of [details]. Estimated association-owned values are [amounts/source], reported five-year losses include [details], and unverified exposures or documents are [limitations].

Recommendations / Follow-Up

Document only visible or otherwise supported concerns. Cite the condition, location and action needed. Use “unable to confirm” where appropriate.