CAI-NJ Feb 2022

HML-4337 CAI Dec 2013_1/2 pg vertical 11/22/13 10:48 AM Page 1

WHAT’S THE PLAN... from page 16.

Keep your Association sharp – in all seasons.

under your standard property insur- ance. However, flooding requires a separate coverage application. Flood Flooding can be caused by heavy rain, rising sea levels, fast-melting snow or even tsunamis, cyclones and hurricanes. Specific insurance criteria needs to be considered in a flood. Many areas are not considered flood zones but may get flooded in a natu- ral disaster. To be considered a flood for insurance purposes, it must fit the description, which you can assess alongside your insurance advisor Sewage Backup Clogs, build-ups in pipes from grease, or improperly flushed items, such as paper towels or single-use wipes, are common causes of sewage backup. Although sewage backup is typically covered under your property insurance, you need to make sure you have proper limits in place. Ask your insurance advisor for guidance. Fire Firesareclassifiedby theEnvironmental Protection Agency as natural disasters. Also consider the potential for light- ning strikes, explosions, and burst gas lines to impact your condo association. Some of these may be covered under your property insurance and some may require a separate application. Riot and Civil Commotion Both a riot and a civil commotion involve a revolt by a gathering of

Value–Experience–Quality Being prepared and responsive is what distinguishes our firm. We strive to solve the problem–resolve the issue and make life easier for our Associations and their property managers. Hueston McNulty, P.C. Association General Counsel and Experienced Trial Attorneys Samuel J. McNulty, Esq. smcnulty@huestonmcnulty.com /www.huestonmcnulty.com

Tel: 973-377-0200 / Fax: 973-377-6328 Offices: Florham Park, NJ; Toms River, NJ; Blue Bell, PA; and New York, NY

ABDM Property Management cares to listen to our clients. We exclusively serve Somerset, Mercer, and Middlesex Counties . • Customized property management plan to meet the demand of customers. • Accurate and timely financial reporting on monthly basis. • Vendor selection with no conflicts. • Certified managers who are committed to provide the highest quality of service in the industry. • Reliable and available at all times to Board members, and residents. Call 908-752-0374 or www.ABDMpropertymanagement.com

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