CT August 2026

be called loss requirements since they are almost always mandatory. Exterior inspections frequently come back with recommendations for broken/uneven sidewalks and deteriorated roadways and/or parking lots. The carrier’s goal is to reduce trip‑and‑fall exposure. Reducing claims helps reduce premi um increases. Addressing potential trip or slip haz ards is an easy way to protect your community. Changes in elevation of ¼ inch or more caused by heaved or settled sidewalks, for example, cre ate uneven paths that pose a risk to pedestrians. Water ponding, potholes, or wide surface cracks in roadways can present similar hazards. Rather than relying solely on shortterm patch ing, communities benefit from planned approaches, such as phased concrete CONTINUES ON PAGE 38

At Felsen Insurance Services, one size DOESN’T fit all. Using our experience and expertise we work with your property manager and board to design an insurance program based upon your community needs.

We canvas the marketplace to find the insurance company that fits YOU best .

Felsen Insurance Services, Inc. 3155 Route 10 Suite 103 Denville, NJ 07834

(973) 361-1901 www.felsen.com

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AUGUST 2026