PAMco

10/19/2026

Who’s protecting your HOA’s money if someone steals it? 🛡️ A fidelity bond is designed to.

In our latest article, we break down what boards should know:
🔹 What It Is: Coverage for theft, fraud, and dishonest acts by people handling funds.
🔹 What It Covers: Embezzlement, forgery, wire fraud, and more.
🔹 Texas Law: Not statutorily required, but often written into governing documents.
🔹 Your Manager’s Bond: May not automatically cover the association.

Protect your reserves. Read the full guide here! 👇

What is a fidelity bond? How can this bond support an association's finances? Does Texas law require a fidelity bond? Find out here!

10/05/2026

Big repair, low reserves, and dues that won't cover it? 🏦 Some associations turn to a loan, and it's worth understanding how that works.

In our latest article, we break it down:
🔹 What They Are: Loans made to the association, not to individual homeowners.
🔹 The Upside: Immediate funds and no giant one-time bill for owners.
🔹 The Downside: Interest, added debt, and likely higher dues.
🔹 Loan vs. Assessment: How boards decide which one fits.

Make an informed financial decision. Read the full guide here! 👇

Loans can inject much-needed cash flow into an association, but it's important to understand them. Learn about HOA loans here!

09/21/2026

Is your HOA required to do a reserve study in Texas? 💰 Technically, no — but skipping one could leave your community financially exposed.

In our latest article, we cover what boards need to know:
🔹 No State Mandate: Texas law doesn't require reserve studies, but governing documents might.
🔹 What's Included: A physical inspection plus a financial funding plan.
🔹 3 Types: Full study, on-site update, or financial-only update.
🔹 Why It Matters: Prevents special assessments and builds lender confidence.

Plan ahead instead of reacting later. Read the full guide here! 👇

What is a reserve study? Are homeowners associations in Texas required to conduct a reserve study? Click here to find out!

09/08/2026

That broken playground swing your board keeps meaning to fix? ⚠️ Ignoring it could be more than an eyesore — it could be a lawsuit waiting to happen.

In our latest article, we cover what boards need to know:
🔹 The Duty of Care: Boards must act reasonably to keep common areas safe.
🔹 The Risks: Deterioration, accidents, and legal liability all follow neglect.
🔹 Board Liability: Texas law can hold directors personally responsible.
🔹 How to Avoid It: Inspections, documentation, and the right vendors.

Don't wait for an accident to happen. Read the full guide here! 👇

Negligence in maintenance of common areas can lead to costly lawsuits and frustrated residents. Learn how to avoid it here!

09/08/2026

Maintenance negligence represents a significant and often underestimated liability exposure for community associations — one that can extend beyond the association itself to individual board members under Texas Property Code Section 82.103.

Our latest article outlines the legal duty of care boards owe to their communities, the progression from deferred maintenance to premises liability claims, and seven concrete practices — from consistent inspections to proper documentation — that meaningfully reduce exposure.

Read the full breakdown:

Negligence in maintenance of common areas can lead to costly lawsuits and frustrated residents. Learn how to avoid it here!

09/07/2026

Happy Labor Day, Texas! From PAMco's team to yours — enjoy a well-deserved day of rest with family and friends. 🇺🇸🛠️

08/24/2026

Enforcing the rules against one homeowner but not another? ⚖️ That's selective enforcement, and it's one of the fastest ways an HOA ends up in court.

In our latest article, we break it down:
🔹 What It Looks Like: Fining one owner while ignoring the same violation elsewhere.
🔹 Is It Illegal? Texas courts don't tolerate arbitrary or discriminatory enforcement.
🔹 Real Consequences: Lawsuits, legal fees, and damaged community trust.
🔹 How to Avoid It: Apply rules equally and document everything.

Fair enforcement protects everyone. Read the full guide here! 👇

Homeowners associations should be wary of selective enforcement, as it can give rise to liability. Learn more about it here!

08/10/2026

Board members aren't just volunteers — legally, they're fiduciaries. ⚖️ And when that duty is breached, the consequences can be serious for everyone involved.

In our latest article, we break down what boards need to know:
🔹 Duty of Care: Making informed, thoughtful decisions.
🔹 Duty of Loyalty: Putting the HOA's interests first, always.
🔹 Duty Within Scope: Staying within the board's legal authority.
🔹 The Consequences: Lawsuits, personal liability, and lasting reputational damage.

Know your responsibilities as a board member. Read the full guide here! 👇

Board members have certain fiduciary duties to uphold. So, what happens when there is a breach of fiduciary duty? Click here to find out!

07/27/2026

Thinking about starting a neighborhood watch in your HOA? 🚨 It can genuinely improve safety and community trust — but it's not without risk.

In our latest article, we cover both sides:
🔹 The Benefits: Deters crime and builds stronger community ties.
🔹 The Legal Risks: Volunteers must observe only, never confront.
🔹 Getting Board Approval: The first and most important step.
🔹 Partnering With Police: Makes the whole program more effective.

Make an informed decision for your community. Read the full guide here! 👇

What is an HOA neighborhood watch? Should homeowners associations start a neighborhood watch program? What are the pros and cons?

07/13/2026

Should your HOA go mobile? 📱

An app can make life easier for homeowners — but it's not always the right fit for every community.

In our latest article, we weigh the pros and cons:
🔹 The Upside: Faster communication, easy dues payments, centralized info.
🔹 The Downside: Added costs and potential tech barriers for some residents.
🔹 Not Ready? No Problem: Portals and newsletters can work just as well.
🔹 The Decision: What boards should consider before investing.

Find out if a mobile app makes sense for your community. Read the full guide here! 👇

What is an HOA mobile app? Should every homeowners association have one? What are the pros and cons? Click here to find out!