Capital Property Solutions

05/30/2026

The Trillion-Dollar Loophole? The Shocking Truth About HOA Insurance That Could Cost You Everything!

Think you’re fully covered because you pay your monthly condo or HOA dues? Think again! Thousands of homeowners are waking up to a financial nightmare, completely unaware that a massive coverage gap is staring them right in the face.

It’s the ultimate property battleground: The Association vs. The Homeowner.

If a pipe bursts or a disaster strikes, who actually writes the check? Most people assume the master policy covers it all, but the reality is a legal maze of governing documents, state laws, and hidden boundaries. One wrong assumption could leave you footing a massive bill for your own drywall, floors, and personal belongings.

Here is the quick breakdown of who is actually on the hook before it’s too late:

The Association’s Secret Shield: They usually cover the shared structures, roofs, hallways, and common amenities. They also carry D&O (Directors and Officers) insurance to protect board members from lawsuits, and crime insurance to shield reserve funds from fraud. But their protection stops where your personal space begins.

The HO-6 Danger Zone: If you own a condo, your association might only insure the building down to the bare studs. Without a rock-solid HO-6 unit-owner policy, your custom kitchen upgrades, furniture, and personal liability are completely exposed.

The Detached Illusion: Living in a single-family home within an HOA? Don't look to the board if your roof leaks. The association only handles the neighborhood common spaces, leaving your entire structure relying solely on your individual HO-3 policy.

Don’t wait for a disaster to read the fine print. Discover exactly where the association's coverage ends and yours begins before the next big claim hits.

Read the full, eye-opening breakdown here:

One of the most common questions in community associations is about how insurance responsibilities are divided. Who covers what?

05/18/2026

Condo boards: Are hidden local vendor discounts slipping through the cracks? Discover how a Central Ohio association uncovered unexpected dumpster surges and how smarter vendor networks can protect reserves. Read our quick 4-minute case study and learn practical steps your board can take today. https://wix.to/WbeTaQ6

05/11/2026

A small maintenance issue can turn into a big bill — and hurt your property values. Our latest blog explains how proactive condo maintenance preserved property values in Central Ohio and how boards can avoid costly surprises. Read more: https://wix.to/PT9eiC7

In May 2022, a board member at a six building garden style condo association in Westerville noticed a small patch of peeling paint near a second story window frame. It looked minor, the kind of thing that could wait until the next budget cycle. By the time November winds began to whip across Central...

05/11/2026

Neighbors in conflict? Try coffee, conversation, and a little empathy. In our latest blog post “Choosing Peace Over Policed: The Good Neighbor Strategy,” we share a simple, effective approach a Columbus board used to turn windshield notes into community connection. Read the full story and learn how your association can foster cooperation instead of escalation. https://wix.to/POrm78D

A Tuesday Morning in German VillageAugust 2024. A board president of a 24 unit brick walkup off Beck Street called us on a Tuesday morning, frustrated. Two owners had been leaving notes on each other windshields for five days. The last one was taped to a side mirror with shipping tape.He wanted to s...

05/06/2026

HOA boards: curb appeal is more than aesthetics — it’s a strategic asset that drives property value and resident satisfaction. Our new article breaks down practical landscaping decisions Central Ohio boards can use to save time, reduce disputes, and boost curb appeal. Read more: https://wix.to/NK2h9py

If you serve on an HOA board in Central Ohio, you have probably felt the weekly pull of decisions that should not be on your plate. You volunteered to lead, but the role started to look more like a help desk. Nowhere does that show up more clearly than in landscaping, where a single line item quietl...

05/02/2026

How do you enforce rules without becoming the "HOA Police"?

It’s a delicate balance. Boards often get stuck between "no enforcement" and "constant infighting." CPS acts as the professional third party. We handle rule enforcement with consistency, fairness, and neutrality.

Whether it’s illegal short-term rentals or noise complaints, we take the "personal" out of the process, so you can go back to being a neighbor.

Let us handle the tough conversations. Contact CPS today

05/01/2026

"Where is our money going?"

Transparency is the foundation of a happy community. When owners feel ignored, trust breaks down. CPS bridges the gap by making financial reports, meeting minutes, and project updates easily accessible to every homeowner through our secure portal.

We help Boards lead with clarity, ensuring that everyone is on the same page, from the budget to the bylaws.

Professional management shouldn't be a secret. Learn more at www.cpscolumbus.com.

04/30/2026

Is your Board ready to change your management company but afraid of "jumping from the frying pan into the fire?"

There are lots of stories from boards who hired based on the lowest bid, only to find hidden fees later. When vetting your next partner, ask:
✅ Do you have a preferred vendor list with vetted insurance?
✅ Can we meet the specific manager assigned to our building (not just the VP)?
✅ How do you handle 24/7 emergencies?

At CPS, we invite the tough questions. We’re proud of our transparency and our people.

Learn More: https://www.cpscolumbus.com/post/what-happens-when-a-community-transitions-to-capital-property-solutions

04/29/2026

Ever feel like your property manager is a "ghost"? You aren't alone. One of the top complaints from condo owners today is slow response times and lack of follow-through.

At CPS, responsiveness isn't just a goal, it's a brand promise. Our dedicated team utilizes streamlined portals and transparent communication workflows so you’re never left wondering if your repair request was even seen.

You deserve a manager who works as hard as you do.

Experience the CPS difference. See how we prioritize your peace of mind.

04/28/2026

Nobody likes a "surprise" bill—especially when it’s a five-figure special assessment.

On forums like Reddit, the #1 question we see is: "Is this assessment reasonable?"

At CPS, we believe the best special assessment is the one that never happens. We specialize in proactive Reserve Study management and long-term financial planning to ensure your building stays healthy without draining your personal bank account.

Better planning today means no "emergency" votes tomorrow.

Curious about your building’s financial health? Message us for a consultation.