Some time ago, I suggested to the board that they change the "symbol" on the HOA's Auto Insurance policy to Symbol 1. I was immediately told that this could not be done in an HOA because it would extend coverage to all homeowners. I told the board that this was not true, and in fact was idiotic. The board was incensed that I would tell them that they were wrong. This was a major problem years ago, and it's a problem now. The board just cannot stand being corrected. Back to my story - the board was so angry with me (screaming at me, etc) that they even had Carolyn include their misunderstanding in the HOA newsletter, indicating that "Homeowner Mark Caldwell suggested we change symbol 7 to symbol 1 (giving the HOA much broader coverage) but that symbol 1 cannot be included on an auto policy for homeowner associations. Well, they were wrong then, and they are wrong now. If you look on the HOA's Auto Policy, you will see Symbol 1. In fact, it's been symbol 1 for a few years now.

In addition, for nearly 7 years I have been reminding the board that there is no coverage for rock fall events along 1450 South, The board took the stand that there is coverage (you know, since they are all insurance experts). When David Brinley got involved with the insurance broker, they finally admitted that there is no coverage now, and there has never been coverage.

The reason I even bring this to your attention is that our board has an inherent problem of thinking they are always right, and the homeowners are always wrong. This is probably why month after month there is such dismal attendance at the HOA monthly meetings.

My concern is simply that I do not want all of us to be subjected to a large assessment if there is an uninsured loss - and that could very well happen.