AHN PA.Iss. 1, 2018 (w)

www.AssociationHelpNow.com Issue 1, 2018 Association Help Now Resources for Community Associations and the Businesses & Professionals who serve them. ™ PENNSYLVANIA Read by Pennsylvania HOA Board Members and Managers

Maintaining Community Law and Order Amid Homegrown B&Bs By Michelle Tomko

HOA Qualified Management Companies

“...it’s not fun for

community members

who are now dealing with strangers — safety issues, noise and extra traffic — all because their neighbor has decided to make some extra money...”

Issues with Short-Term Rentals and Lodging Websites in Associations — From an Insurance Perspective By Alyssa Gautieri

L odging websites are popping up all over the place, and many associations are finding their units and homes advertised on them, many times against the association’s bylaws which may restrict short-term rentals. Residents may ask why they can’t do this, and “what’s the big deal?,” but from an insur- ance perspective, they are put- ting the both association and themselves at risk. We spoke to Robert A. Travis, the Director of Marketing at Community Association Underwriters of America, Inc., to explore the potential risks of short-term rentals and lodging websites in associations. More and more residents of associations are beginning to use lodging websites such as Airbnb and VRBO, however associations are often unaware that its residents are doing so. According to Travis, this poses a major problem. When an insurance company puts together a program to insure Community Associations, it is considering that year-round residents will occupy the con- dominium, which means that rates and premiums do not contemplate the increased risk of short-term renters. According to Travis, short- term renters are more likely to be or to cause a liability be- cause “short-term renters may not have the same care and

CONTINUES ON PAGE 14. According to Travis, the most common problem associated with short-term rentals is noise complaints. “Short-term renters don’t go to bed early; they are up making noise, both on the weekend and during the week,” “...from an insurance perspective, they are putting the both association and themselves at risk.” concern about the community association that a year-round resident may have.” For ex- ample, if a short-term renter notices a spill on the floor in the lobby, they are likely go- ing to walk around it with little concern. Meanwhile a year-round resident will like- ly express concern and will likely report the slippery spot to staff. “Certainly a year-round resident’s degree of care is greater thana short-termrenter,”he adds. While long-term renters may care for the community as if it is their home, short-term rent- ers may treat the area as a va- cation spot. “We’ve all been on vacation, we all know how we act when we are on vacation,” Travis said. “Imagine putting that in a residential setting where the next door neighbor is 50 feet away.”

ATTORNEYS: Ansell Grimm & Aaron, PC...................4 Clemons Richter & Reiss, PC............. 10 Forbes Bender Paolino & DiSanti, P.C..........................................8 Stark & Stark........................................3 Steven L. Sugarman & Associates..... 12 Young & Haros, LLC........................... 11 ENERGY PROVIDERS: PECO...................................................9 ENGINEERS: Berman & Wright Architecture, Engineering & Planning, LLC...............7 DW Smith Associates, LLC..................4 The Falcon Group - Engineering, Architecture & Energy Consultants..........2 FWH Associates, PA.......................... 14 rectly from the owner of a con- do on an online market place. It was a fantastic experience. I had a more personal experi- ence than if I had stayed in a hotel. Most importantly, I saved a bunch of money. But one thing I didn’t consider as an end-user was “What will the neighbors think?” I honestly didn’t give I recently discovered the money-saving option of booking a vacation rental di-

INSURANCE: Community Assn. Underwriters.............13 NFP, Property & Casualty........................6 Smith Insurance.......................................5 LAKE & POND MANAGEMENT: SOLitude Lake Management...............11 LENDERS: Alliance Association Bank................... 12 Mutual of Omaha Bank, Community Association Banking / CondoCerts......3 National Cooperative Bank....................15 MAINTENANCE / JANITORIAL: Planned Companies.............................4 PROFESSIONAL / INDUSTRY ASSOCIATIONS: CAI PA & Delaware Valley Chapter.....9 them a second thought. But I can assume it’s not fun for community members who are now dealing with strangers — safety issues, noise and extra traffic — all because their neigh- bor has decided to make some extra money at home…well re- ally, with their home.  In fact, isn’t that why resi- dential areas were invented in the first place? Business should be taking place in a

CONTINUES ON PAGE 15. whole other district, no? Or, should this new business op- portunity trump the quiet enjoyment that is expected by everyone in every com- munity? For a legal perspec- tive on this new hot-button issue, David J. Byrne, Esq. from Ansell Grimm & Aaron, PC shared his thoughts on what condominiums and homeowner associations can do to keep their residents hap-

INDEX OF INDUSTRY LEADERS

PROPERTY MANAGEMENT: ACRI Realty.......................................8 Arnheim & Neely Inc........................ 10 Associa................................................. 7 DelVal Property Management..............11 MICO Management............................ 13 Property Management, Inc.................... 8 Robert H.Wise Management Co., Inc...10 RECONSTRUCTION / RESTORATION: Accurate Reconstruction..................... 14 SECURITY / CONCIERGE: Planned Companies............................. 4

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