Kevin Mackoul spoke with Cooperator News New York about Your Association’s Landscaping Affecting Your Insurance.
Landscaping is often one of the most visible and emotionally charged investments a condominium, co‑op, or HOA makes. Thoughtfully designed outdoor spaces enhance curb appeal, support property values, and contribute to residents’ quality of life. Trees, plantings, walkways, and common outdoor amenities help define the feel of a community and how it’s perceived by residents and visitors.
Landscaping decisions can quietly increase an association’s liability exposure. Common general liability claims—trip‑and‑fall accidents, falling branches, drainage failures, and storm-related damage—originate outdoors. Because they are part of a community’s common elements, the responsibility for maintaining them typically rests with the association, making boards and managers vulnerable when hazards go unnoticed.
