Vantaca and Maegan Woytek are proud to present Guilty By Association's new segment that will deliver you the news you need to know happening across the industry! We plan to bring you all the critical news, regulatory shifts, market shifts and operational insights that are impacting your business every week, so you can stay ahead of it.

What you need to know for this week's episode:

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Georgia is going nuclear on HOA reform. Senate Bill 406 would double the foreclosure threshold to $4,000 and ban management companies from buying homes at foreclosure auctions. That's just one bill. Two others want to strip foreclosure power completely and let homeowners vote to dissolve their HOAs. This is the most aggressive reform push we've seen in any state.

Insurance is eating everyone's lunch right now. Premiums are up 24% since 2021, and 82% of homeowners are bracing for another increase this year. This isn't just a homeowner problem. It's an HOA problem. Associations in Florida and other climate-risk states are seeing insurance costs become a bigger line item than maintenance. And with everyone expecting climate damage in the next three years, reserve planning just got a whole lot more complicated.

And one more positive note: We're still growing. The Foundation for Community Association Research expects 4,000 new HOAs this year, bringing the total to 377,000 associations serving 80 million Americans.