How it works
A compliance process that keeps moving without being babysat.
Community Cover brings homeowner insurance tracking and compliance into one workflow for HOA and condominium management companies across the US. Collect HO-6 policies and other proof of insurance, follow up on renewals and keep a record of each review. Add optional Concierge and our team handles the routine administration, while association decisions stay with the people who have the authority and context to make them.
Import the association
Load units and resident contacts, confirm the record type and capture the association's objective requirements.
Ask for evidence
Homeowners receive a secure link and can respond online, by email or through physical mail where needed.
Read the document
Community Cover extracts dates, carrier, policy number, insured name, property address, liability limit, deductible and other configured fields.
Surface the exceptions
The manager sees what needs judgment rather than reading every uneventful policy from scratch.
Take the next action
Approve, request a correction, approve an exception, follow up or send a physical letter using consistent communications.
Attach later updates
Endorsements, cancellation notices and revised declaration pages can update the current facts without overwriting the earlier record.
Remember automatically
Expiration and reminder cadences keep the process alive when the next renewal date arrives.
Show what is true
Current compliance summaries and as-of-date reporting give managers and boards a clear view of the process and history.
AI's job
Remove reading. Keep judgment.
Automation is useful when it does the repetitive work: extracting facts, comparing objective fields, remembering dates and organizing the next action.
It should not quietly turn an inference into a binding association decision. Requirements differ, documents are imperfect and exceptions happen.
- Community Cover: extract, compare, organize, remind, record.
- Optional Concierge: handle routine follow-up and administrative work for your team.
- Manager: review exceptions and make association-authorized decisions.
- Board: set policy and receive oversight visibility.
- Counsel / insurance professional: answer legal or insurance interpretation questions.
Condo and HOA policies
HO-6 policy tracking, from document collection to renewal.
For condominium communities, the workflow follows each unit owner's HO-6 policy documents. For HOAs, it follows the homeowner insurance records the association requests. Documents, review decisions, expiration dates and later updates stay connected to the unit.
Homeowners can upload securely, email a document or send a paper copy. Managers can see missing records, upcoming expirations and exceptions across their portfolio.
Received is only the beginning.
A policy on file is a starting point. Community Cover compares recorded details with the association's configured requirements and surfaces exceptions for review. Managers retain authority over approvals and exceptions.
Current summaries and as-of-date reports preserve what was requested, received, reviewed and decided.
A living record
Approval is not the end of the policy record.
A deductible can change. A carrier can cancel. A revised declarations page can arrive. The record needs to absorb new facts without pretending the old ones never existed.
See the workflow
Use a real association, not a polished demo dataset.
The easiest way to judge Community Cover is to run it against the messy inputs your team already deals with.