Vice President at Woodruff Sawyer, specializing in commercial real estate and construction insurance. Nearly 20 years of experience helping owners and developers protect assets through strategic, cost-effective risk solutions.
When it comes to insuring historic buildings, replacement cost analysis (RCA) is rarely straightforward. Unlike modern construction, historic properties carry architectural, material, regulatory, and craftsmanship complexities that can dramatically impact rebuilding costs after a loss. Applying generic cost-per-square-foot assumptions can leave owners dangerously underinsured. Below are the
Water losses are the most common—and most disruptive—claims faced by high-rise HOAs. A single failed supply line, overflowing tub, or broken HVAC component can impact multiple units, common areas, elevators, and critical building systems within minutes. How an HOA responds in the first 24–72 hours can
A Combined Analysis of RPS and Amwins Market Reports After several years of volatility, the commercial property insurance market is entering 2026 with a rare combination of expanded capacity, increased competition, and softening rates. Insights from two major wholesalers — Risk Placement Services (RPS) and Amwins — show a clear trend: while
Reducing Fire Risk on Thanksgiving A practical guide for high-rise residential condos and apartments Thanksgiving is the leading day of the year for U.S. home cooking fires. In 2023 alone, fire departments responded to an estimated 1,446 home cooking fires on Thanksgiving Day—about 388% above the
The holidays bring warmth, light, and festive cheer—but in high-rise buildings, that joy can quickly turn dangerous if safety precautions aren’t followed. Between electrical overloads, dry trees, and flammable décor, holiday fires are unfortunately common this time of year. Below are key safety tips tailored for high-
The Importance of Directors and Officers (D&O) Coverage for HOAs Serving on a Homeowners Association (HOA) board is an important role that demands time and can often test your patience. The reward is creating a functional unit that benefits all residents. But with these duties comes exposure to
How HOAs Can Show Strong Financials to Get the Best Insurance Rates In today's insurance market, homeowners associations (HOAs) face rising premiums and shrinking appetite among carriers—especially for older or high-rise properties. While many boards focus on maintenance, claims, and risk management, one often-overlooked factor