About

George

George Markle brings over four decades of HOA and CID industry business experience to this project, as well as a peculiar interest in processes and systems applicable to both business and government. He acquired processes/systems experience in critical environments where systems reliability and success are imperatives — satellites and missile systems — while working in the Lockheed Experimental Engineering Group, Electronics Development Lab in Silicon Valley. He later started his own consulting business.

While serving on HOA boards he faced continuing escallation of insurance premiums. He also noticed the absence of factors critical to success for corporations but neglected in legislation regulating HOA governance, including closed-loop performance community feedback and metrics. He also witnessed costs to HOAs from neglect by amateur directors to risk management, policies, planning, efficiency and lack of governance education. In the '90s, to address some of these lapses he authored the Homeowners Association Directors' Survival Kit. Recently he concluded a more comprehensive solution is warranted and launched the HOAInsuranceProject, a crowd-sourced project to craft legislation to address these as well as climate change-related factors pressuring insurance carriers and exploding insurance premiums. He feels without critical legislative changes, many of the same common, recurring issues and costly mistakes will continue — as well as exhorbitant insurance premiums, loss of coverage, and costly and catastrophic disasters

George was presented with the “Award for Special Achievement” by the Mayor of the City of Mountain View for a precursor document the City Planning Department distributed to developers as a model Handbook for new community associations. He subscribed to the California Legislation Revision Commission Updates in its 2013 redrafting of the Davis Stirling Act and became familiar with the revised Act as well as California Non-profit Mutual Benefit Corporations code so as to keep the HOA Kit current and accurate for California HOAs. He remains active in ECHO (Educational Community of Homeowners). He remains an active member of CAI (Community Associations Institute). He holds CAI’s HOA Leader Certification (100% score) and is a CAI Legislative Advocacy Ambassador, participating in meetings with US Senators, Congress-persons, State Senators and Assembly Members or staff to advocate legislative positions. He's also a charter member of the Advocacy Committee of CAI's California Insurance Task force and authored a white paper addressing the current HOA insurance crisis.

The HOAInsuranceProject is an open, crowd-sourced, non-profit effort to involve you and others living in and serving community associations, in developing a lasting legislative solution to the insurance crisis as well as addressing the long-term conundrum: How to motivate volunteer community association directors to seek training to elevate risk mangement and caliber of governance without discouraging volunteerism.

This proposal posits a new approach crafted expressly for the unique HOA environment. It describes a program wherein all community associations earn a rating based upon financial health, adequacy of reserves and insurance, proportion of directors who have sought training and earned the designation "Certified Community Association Director," and other described attributes. The ubiquitous, immediately recognized five-star-based rating earned would allow members and lay consumers shopping for a new home to easily gauge financial health and quality of governance.

Program administrators also would encourage insurance carriers to reward those associations with high ratings with lower premiums, bolstering incentives to lower risks and improve governance for millions of HOA residents.

You can help shape this program

Please review the plan and provide your comments and suggestions so we can make it better — as we begin working with our legislators to implement.

While this program was drafted with the California legislature in mind, Community Association citizens and professionals and legislators across the country can participate here in crafting a program that can be adapted for their states. If you have a suggestion specific to your state, just so indicate via an online e-mail or the Forum.