No, “Walls-In” Isn’t Always What You Think If I had a dollar for every time someone said, “Don’t worry, it’s walls-in,” I’d have retired by now. Because “walls-in” is not a standard definition. It’s not legal language. And it’s not a guarantee. It’s shorthand — and shorthand is where expensive misunderstandings start. What People Assume Walls-In Means Most boards and property managers believe it means: • The association covers the structure • The unit owner covers everything inside • Responsibility is clear and clean Simple. Logical. Often wrong. What Walls-In Actually Depends On Coverage responsibility is determined by three things, and they don’t always agree: 1. Governing documents 2. The association’s master policy 3. The unit owner’s policy These are frequently out of sync. The documents say one thing, the policies assume another, and everyone thinks they’re covered — until a claim happens. Common Walls-In Gaps I See • Fixtures assumed to be owner responsibility but not insured • Improvements and betterments falling into gray areas • Townhomes insured on the wrong policy form • Associations relying on owner policies to cover items they don’t The Bottom Line If you can’t point to specific document language that defines responsibility, “walls-in” doesn’t protect anyone. It’s not about semantics. It’s about avoiding uncovered losses and disputes after a claim. If you’ve ever said, “It’s walls-in, so we’re fine,” this is your sign to take a closer look. Because walls-in isn’t always what you think. #coveryourASSEtsconsulting #hoa #condominiuminsurance #insurance

We like to tell a simple story about successful women: she worked hard, broke barriers, earned her seat at the table. What we don’t talk about is everything that happens around that seat. In male-dominated fields, men are often assumed competent until proven otherwise. Women experience the opposite. We are frequently treated as inexperienced or emotional until we prove—again and again—that we are not. And even then, the benefit of the doubt expires quickly. I learned this early in my career. I could walk into a room having already produced results and still feel like I was starting from zero. One mistake confirmed a stereotype. Success was often explained away as luck or timing. Living without the benefit of the doubt creates constant vigilance—over-preparing, self-monitoring, and carrying both the job and the perception of the job at the same time. Leadership requires boundaries. When men set them, they’re decisive. When women do, they’re labeled. Assertive women are rarely described neutrally. We become “difficult,” “cold,” or worse. So we learn to manage tone, expression, and delivery in ways that are never required of our male peers. That emotional labor is invisible—and unpaid. Power is also communicated physically. I was the only woman producer in my Atlanta office. I was also the only producer without an office, working from a cubicle. No one explained it. No one had to. Space signals legitimacy, and women are often asked to prove they deserve what men are automatically given. For women—especially single mothers—risk isn’t abstract. Career “leaps” don’t just risk pride; they risk stability. Health insurance. Housing. Childcare. The freedom to fail is a privilege many women don’t have. Caution is often mistaken for lack of ambition when it is actually responsibility. Motherhood adds another layer. Time off for sick children or school schedules quietly chips away at how “committed” a woman is perceived to be, regardless of performance. Promotions often arrive with timing assumptions that primary caregivers can’t meet—not because they lack capability, but because life doesn’t pause.

Just a brief introduction into what you can expect from this channel. Follow along for unexpected education and hilarity 🤣

I’m glad you’re here. This community exists for one reason: to explain insurance clearly before it becomes confusing, expensive, or contentious. After 20+ years in the industry, I’ve learned most insurance problems don’t come from bad intentions — they come from misunderstandings, assumptions, and unclear responsibilities. This space is here to fix that. What This Community Is - Plain-English insurance education - Real-world claim and loss scenarios - HOA, homeowner, and investor coverage clarity - A safe place to ask questions you feel like you should already know No jargon. No judgment. No sales pressure. What This Community Is NOT To protect everyone (including you and me), this is: - ❌ Not insurance sales - ❌ Not policy placement or quoting - ❌ Not carrier recommendations - ❌ Not legal advice - ❌ Not coverage determinations on specific claims Think education and insight, not decisions or directives. How to Use This Community Here’s how you’ll get the most value: 1️⃣ Introduce Yourself Tell us: - Who you are (homeowner, board member, PM, investor, etc.) - What made you join - What you’re hoping to understand better 2️⃣ Ask Questions If you’re confused, someone else is too. Post your questions — especially the ones that start with: - “We always assumed…” - “Our documents say… but…” - “Who is usually responsible for…?” 3️⃣ Explore the Content Look for: - Red Flag of the Week - Scenario breakdowns - HOA & homeowner education posts - Polls and discussions The content library grows over time — bookmark what’s useful. 4️⃣ Join the Conversations Comment, vote in polls, share experiences (no personal info). Learning happens fastest when real scenarios are discussed. 📌 One Important Ground Rule This is an education-first community. I’ll explain how insurance typically works, where issues arise, and what questions matter — but final decisions should always involve your own professionals. Final Thought If this community helps you avoid even one misunderstanding, dispute, or uncovered loss — it’s done its job.