HOA Coverage Review · a Caissonix service · California · pilot
See where your master policy and your CC&Rs don't line up, before a claim.
Caissonix reviews your association's master insurance policy against your CC&Rs, reserve study and today's rebuild costs, then delivers a plain-English report your board can act on.
- Written by a 20-year California property insurance professional
- Fixed scope, clear deliverable
- Built for boards and property managers
How it works
Three steps. No meetings required.
Send your documents, we do the review, and you get a written report your board can read in one sitting.
Send your documents
Upload the master policy and declarations, your CC&Rs, the latest reserve study and basic building details through a secure link.
We review the gaps
We compare what your governing documents require with what the policy actually covers, and check limits against current rebuild costs.
Get a clear report
You receive a written report that points out possible underinsurance, gaps and deductible exposure to discuss with your broker, plus questions to bring to them.
Services
Focused reports, built for decisions
A fixed-scope written review with a defined deliverable.
HOA Coverage Audit
A review of your association's master insurance policy against its CC&Rs, reserve study and current rebuild costs, written for HOA boards and property managers.
Pricing: a fixed quote per association, sent after a short scope check of your documents. Available on its own or as an add-on for VendorGuard CA subscribers.
- Building limits compared with current rebuild cost
- Policy terms checked against CC&R insurance requirements
- Deductible exposure for the association and owners
- Coverage gaps, exclusions and endorsements to ask about
- Reserve study cross-check
- A written report your board can share
About
Gregor McNabb
- 20 years in California property insuranceWorking in property insurance claims since 2006
- M.S., Construction ManagementTraining in how buildings are built and rebuilt
- Xactimate expertThe estimating platform used across the property claims industry
I've spent nearly two decades working in property insurance claims. Too often the problem isn't the loss itself. It's finding out after the loss that the policy didn't match what the association needed: limits set years ago, a deductible nobody budgeted for, or a requirement in the CC&Rs the policy never addressed.
Caissonix exists to catch those issues early. I combine claims experience with a construction management background to read your policy with an eye to how coverage terms work in practice, and I write it up in plain language a volunteer board can use.
The reports are reviews, not sales. I don't sell insurance, so the goal is simply a clear picture you can take to your broker and your board.
Caissonix does not handle, adjust, negotiate or present insurance claims.
FAQ
Common questions
What do I need to send?
The current master policy with declarations and endorsements, your CC&Rs (or the insurance section), your most recent reserve study, and basic building information such as unit count, square footage and year built.
Are you an insurance broker or a lawyer?
No. Caissonix doesn't sell or place insurance and doesn't give legal advice. The report is an informational review that helps your board ask better questions of your broker, attorney and reserve specialist.
Is this an appraisal?
No. Rebuild costs are used as a reasonableness check on your limits. The report isn't a formal appraisal or replacement cost valuation.
How long does it take?
Turnaround depends on the size of the association and how complete the documents are. You'll get a timeline when we confirm the scope.
Do you work throughout California?
Yes. Caissonix serves HOAs throughout California. Reviews are done remotely from your documents, so location isn't a barrier.
Contact
Request an HOA Coverage Audit
Tell us about your association. We'll reply within 1 business day with next steps and a document checklist.
What happens next
Please don't email policy documents. After you submit, we'll send a secure upload link for the master policy declarations, CC&Rs and reserve study.
Questions first? Email
Thank you. Your request is in.
We'll reply within 1 business day with next steps and a secure link for your documents.