What Every HOA Should Know About Insurance Claims — Insights from Jesse Rubin on The HOA Show

Jesse Rubin, President of Rubin Adjusting, recently joined The HOA Show, produced by The Cline Agency, to discuss some of the most pressing insurance challenges facing California HOAs and property managers. From smoke damage disputes to the limits of the California FAIR Plan, the conversation highlights the issues that have defined 2025 for community associations.

These problems aren’t limited to wildfire season. Since the January Palisades fires, boards across the state have been navigating complex claims, incomplete remediation, and rising coverage gaps. The episode offers clear guidance on how HOAs can protect their residents, budgets, and property values in the face of these ongoing challenges.

In the episode, Jesse covers:

• Smoke Damage Claims: Why some carriers minimize or deny them, while others recognize the risks.
• The California FAIR Plan: Its limitations, and what boards should know before relying on it.
• Extended Replacement Cost: How it works, and why assumptions can leave associations short.
• Total Loss Contractor Estimates: What carriers expect, and how to avoid delays or underpayment.
• HOA and Unit Owner Collaboration: Why filing claims in tandem leads to full indemnification.

Listen to Jesse Rubin’s interview on The HOA Show.

Need Help With an Insurance Claim?

Rubin Adjusting has over 50 years of experience helping people secure fair outcomes on complex insurance claims. If your HOA is dealing with smoke damage, FAIR Plan disputes, or underpaid estimates, our team is here to advocate for you. Schedule a consultation with Rubin Adjusting today.