Reports & Deliverables · Board Report
What the board needs this cycle
Coverage posture & open items, and change since last renewal — compiled from this hub’s book. Choose the whole portfolio or one development, then Detailed or Quick update.
Version
Workspace summary compiled from this firm’s book. It is not a legal opinion and not a recommendation to bind, retain, or close. Licensed advisors and the policy control.
Cedar Creek Housing Authority
KY218 · Cedar Creek, KY · Master renewal November 20, 2026
Entire portfolio: $146.3M TIV, 1096 units, in-force premium $606,600 (+0% same-store rate).
Detailed · Entire portfolio
Insured TIV How calculated Sum of TIV on every location in this scope — dwellings and support sites. Matches the 2026 premium-year TIV. Program TIVs are the same dollars allocated by placement, not a second total. Board Report uses this same number.How calculated
$146.3M
Entire portfolio
Locations How calculated 13 sites on the book: 11 developments plus 2 support sites.How calculated
13
11 developments
In-force premium How calculated Premium on lines with status bound, master, or project. Quoted and gap premiums are excluded.How calculated
$606,600
Indicated premium How calculated Premium recorded on quote or gap lines. It is not in-force and would not pay. Shown so the board can see the ask next to what is already bound.How calculated
Not recorded
Quote and gap — not in force. Not recorded is not $0.
Changes since last renewal
2025 → 2026 · +0% rate · TIV +$1.2M · premium +$14,600
Current term. Fleet +1. Project and construction premium remain zero.
Modest rate. No conversion TIV entered the book.
Coverage posture & open items
Where the book records a line, where limits or deductibles sit against exposure, and which gaps are already flagged. Not a legal opinion. Licensed advisors and the policy control.
- On the book
Cyber sits on the authority program
Cyber liability $1M (Admitted cyber). Retention $25,000. Authority systems · tenant / HCV / PIC under the authority cyber program. Tenant, HCV, and PIC data sit under the authority cyber program — the same systems the authority already runs.
- Gap on the book
NFIP · gap
Brookside Homes AE buildings — indicated, not confirmed in force. NFIP building maximum — Brookside AE. NFIP indicated for Brookside AE. Not confirmed in force. Premium not recorded. No excess flood.
- RISK-BH-004Watch
Brookside Homes — Flood structure unresolved
Brookside Homes sits in AE (SFHA confirmation pending). The book does not show a structured flood placement for this site.
- Note
CCHA Master Package: deductibles vs TIV
Property AOP $25,000 AOP wind 2% of TIV named storm N/A — inland Kentucky on $146.3M program TIV.
Cyber on the HA master
Cyber liability: $1M with Admitted cyber. Retention $25,000. Authority systems · tenant / HCV / PIC under the authority cyber program.
Quiet file. No incident in the sample years. Cyber sits on the authority program. Tenant, HCV, and PIC data run through authority systems.
Coverage
| Line | Limit | Deductible / retention | Status |
|---|---|---|---|
Property — buildings CCHA Master Package | $146.3M blanket TIV | $25K AOP · 2% wind / hail | master |
General liability CCHA Master Package | $1M / $2M | $0 | master |
Umbrella / excess CCHA Master Package | $10M | Follows primary | master |
Automobile CCHA Master Package | $1M CSL · 14 units | $1,000 comp / collision | master |
Workers compensation CCHA Master Package | Statutory | None | master |
Crime / fidelity CCHA Master Package | $500,000 | $5,000 | master |
Public officials / D&O CCHA Master Package | $2M | $10,000 | master |
Cyber liability CCHA Master Package | $1M | $25,000 | master |
NFIP CCHA Master Package | NFIP building maximum — Brookside AE | NFIP form | gap |
Housing portfolio
- Willow CourtPublic housing · 168 units · $21.4M
- Maple RidgePublic housing · 112 units · $14.8M
- Brookside HomesPublic housing · 140 units · $18.6M
- Elm Street WalkPublic housing · 88 units · $11.2M
- Riverview TerracePublic housing · 96 units · $13.8M
- Hilltop GardensPublic housing · 128 units · $16.4M
- Meadow LanePublic housing · 80 units · $9.8M
- Oak Grove ElderlyPublic housing · 92 units · $12.9M
- Pine HollowPublic housing · 72 units · $9.1M
- South CreekPublic housing · 64 units · $8.2M
- Scattered SitesPublic housing · 56 units · $6.4M
Losses
10 claims on this scope · $210,600 incurred · 1 open
September 8, 2026 · Willow Court · $18,600
Water — plumbing — Open water loss. Adjuster reserved. Recorded for Briefing — not a coverage opinion.
June 12, 2026 · Pine Hollow · $15,200
Wind / hail — Summer hail on the 1991 frame roofs.
February 3, 2025 · Willow Court · $27,400
Water — plumbing — Second plumbing loss at Willow in the five-year file.
June 16, 2024 · Meadow Lane · $19,800
Wind / hail — Garden-style roofs. Partial wet system did not change the property outcome.
November 2, 2023 · Maintenance Yard · $6,800
Auto — backing — Maintenance pickup backed into a shop door.
April 9, 2023 · Hilltop Gardens · $41,200
Kitchen fire — Unit cooking fire. Smoke to the adjoining unit.
July 21, 2022 · Riverview Terrace · $9,400
Slip and fall — Resident fall on interior stair. Elderly occupancy.
January 12, 2022 · Maple Ridge · $31,200
Freeze burst — Uninsulated riser. Three units down for ten days.