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				<title><![CDATA[NJCooperator - Articles - 2007 Aug]]></title>
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					  <title><![CDATA[Understanding Insurance Claims]]></title>
					  <link>http://njcooperator.com/articles/317/1/Understanding-Insurance-Claims/Page1.html</link>
					  <description><![CDATA[It's bound to happen eventually: calamity befalls your condominium development in the form of windstorm damage, fire, personal injury or the like. The first step most associations take is to call the insurance company and file a claim. However, there are times when it might be better not to file a claim when an incident occurs. ]]></description>
					  <author>no@spam.com (Domini Hedderman)</author>
					  <pubDate>Fri, 07 Sep 2007 12:31:18 EDT</pubDate>
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					  <title><![CDATA[New Developments in the Insurance Industry]]></title>
					  <link>http://njcooperator.com/articles/316/1/New-Developments-in-the-Insurance-Industry/Page1.html</link>
					  <description><![CDATA[To those who don't know much about the subject, insurance for condos and HOAs can seem like a fairly simple thing&#8212;like car insurance, or life insurance. It's tempting to just trust their broker or agent, and leave it at that. ]]></description>
					  <author>no@spam.com (Raanan Geberer)</author>
					  <pubDate>Fri, 07 Sep 2007 12:29:27 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/316/1/New-Developments-in-the-Insurance-Industry/Page1.html</guid>
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					  <title><![CDATA[Board Resource Guide: Better Meetings = Better HOAs]]></title>
					  <link>http://njcooperator.com/articles/315/1/Board-Resource-Guide-Better-Meetings--Better-HOAs/Page1.html</link>
					  <description><![CDATA[Many association board members and shareholders alike come to dread the monthly board meeting or annual shareholders meeting - stories abound of meetings dragging on for hours, with participants feeling that they're trapped in a vortex of wasted time. ]]></description>
					  <author>no@spam.com (Will Nedved)</author>
					  <pubDate>Fri, 07 Sep 2007 12:26:16 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/315/1/Board-Resource-Guide-Better-Meetings--Better-HOAs/Page1.html</guid>
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					  <title><![CDATA[Board Resource Guide: Being on a Board is a Thankless Task]]></title>
					  <link>http://njcooperator.com/articles/314/1/Board-Resource-Guide-Being-on-a-Board-is-a-Thankless-Task/Page1.html</link>
					  <description><![CDATA[Being a board member in an HOA or community association is a task rooted in civic pride and responsibility not unlike serving on the local school board or town meeting. Some become board members because they want to protect the investment they've made in their home by helping to oversee management of their community. ]]></description>
					  <author>no@spam.com (Jonathan Barnes)</author>
					  <pubDate>Fri, 07 Sep 2007 12:22:56 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/314/1/Board-Resource-Guide-Being-on-a-Board-is-a-Thankless-Task/Page1.html</guid>
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					  <title><![CDATA[Board Resource Guide: Co-op and Condo Board Etiquette]]></title>
					  <link>http://njcooperator.com/articles/313/1/Board-Resource-Guide-Co-op-and-Condo-Board-Etiquette/Page1.html</link>
					  <description><![CDATA[Serving the board of your co-op or condo can offer many benefits, but also bring many challenges. As board members also live among residents they serve, community issues are always present. It can turn into a 24/7 job that interferes with personal time, and when neighbors don't respect boundaries, being on the board can become more of a hassle than it's worth. ]]></description>
					  <author>no@spam.com (Stephanie Mannino)</author>
					  <pubDate>Fri, 07 Sep 2007 12:19:56 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/313/1/Board-Resource-Guide-Co-op-and-Condo-Board-Etiquette/Page1.html</guid>
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					  <title><![CDATA[Board Resource Guide: How Are Board Members Trained?]]></title>
					  <link>http://njcooperator.com/articles/312/1/Board-Resource-Guide-How-Are-Board-Members-Trained/Page1.html</link>
					  <description><![CDATA[Congratulations. You have been chosen to help lead your community on a small governing council that will determine the major policy decisions affecting everyone who lives in your community. From finances to rules enforcement to selection of personnel and services, your voice will be a major factor in the way things are done. Although an unpaid office, being on the board of a community association can be a position of esteem, responsibility and leadership. Are you ready for this? ]]></description>
					  <author>no@spam.com (Denton Tarver)</author>
					  <pubDate>Fri, 07 Sep 2007 12:17:35 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/312/1/Board-Resource-Guide-How-Are-Board-Members-Trained/Page1.html</guid>
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					  <title><![CDATA[When HOA Insurers Don&#039;t Renew]]></title>
					  <link>http://njcooperator.com/articles/311/1/When-HOA-Insurers-Don039t-Renew/Page1.html</link>
					  <description><![CDATA[Along with management fees, insurance premiums represent one of a homeowners association's largest annual expenses - and with good reason. Protection from major financial loss is integral to a civilized society. Without the security of insurance coverage, our world would have a different look and feel. ]]></description>
					  <author>no@spam.com (Greg Olear)</author>
					  <pubDate>Fri, 07 Sep 2007 12:13:55 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/311/1/When-HOA-Insurers-Don039t-Renew/Page1.html</guid>
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					  <title><![CDATA[HOA Insurance Case Studies]]></title>
					  <link>http://njcooperator.com/articles/310/1/HOA-Insurance-Case-Studies/Page1.html</link>
					  <description><![CDATA[There is a joke that is regularly circulated via e-mail 
 among insurance industry professionals. It goes a little like this: A North 
 Carolina man, having purchased a box of 24 rare and very expensive cigars, 
 insured them against fire. (Yes, fire.) Within a month, having smoked his 
 entire stockpile of fabulous cigars, and having yet to make a single 
 premium payment on the policy, the man filed a claim against the insurance 
 company. ]]></description>
					  <author>no@spam.com (Lisa Iannucci)</author>
					  <pubDate>Fri, 07 Sep 2007 12:11:10 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/310/1/HOA-Insurance-Case-Studies/Page1.html</guid>
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