Meet Nicole Dallape: A New Resource for HOA and Condominium Insurance Programs
Last Updated: August 25, 2026
Community associations, condominiums, and homeowners associations can now work directly with Nicole Dallape, a dedicated Community Association Insurance Producer at Biltmore Insurance Services. Nicole specializes in helping HOA boards, condominium associations, and property managers evaluate insurance programs, identify potential coverage gaps, and access competitive options from multiple insurance carriers.
Who Is Nicole Dallape?
Nicole Dallape is a Community Association Insurance Producer who helps HOA boards, condominium associations, and property managers make informed insurance decisions.
Nicole works closely with association leadership to review insurance programs, compare carrier options, and provide guidance throughout the renewal process. Her focus is helping communities secure the right protection while understanding exactly what they are purchasing.
Many associations renew their insurance annually without fully reviewing deductibles, exclusions, limits, or property valuations. Nicole’s approach centers on education and transparency so boards can better understand their coverage and make confident decisions.
“Every community is different. My goal is to help boards understand their options, uncover potential gaps, and find solutions that fit their specific needs.”
Nicole Dallape, Community Association Producer
How Can HOA Boards Benefit From an Insurance Review?
An insurance review can help identify potential gaps, outdated valuations, and opportunities for improvement before a claim occurs.
Association insurance programs often evolve over time as properties age, construction costs change, and carrier requirements shift. A fresh review can reveal areas where coverage may no longer align with the association’s risk profile.
Nicole evaluates key elements of an association’s insurance program, including:
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Deductibles
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Coverage limits
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Property valuations
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Exclusions and endorsements
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Carrier options
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Renewal strategy
The goal is not simply to reduce premiums. The goal is to ensure the association has appropriate coverage and understands how that coverage will respond when needed.
Why Does Market Access Matter for Community Associations?
Access to multiple insurance carriers gives associations more options when evaluating coverage and pricing.
The community association insurance market continues to evolve, making it important for boards to explore available options at renewal time. Working with multiple carriers allows associations to compare coverage structures, deductibles, and pricing strategies.
Rather than relying on a single option, Nicole helps associations review several possibilities and determine which solution best aligns with the community’s goals and financial considerations.
How Does Nicole Support HOA Boards and Property Managers?
Nicole serves as a resource for association leaders who need guidance on understanding their insurance programs.
Insurance can be one of the largest expenses in an association’s budget. Board members are often asked to make important coverage decisions without having insurance expertise.
Nicole helps translate complex policy language into practical explanations that boards can understand. This allows decision-makers to evaluate options confidently and communicate effectively with residents and stakeholders.
Her approach focuses on education, responsiveness, and long-term partnership.
When Should Associations Review Their Insurance Program?
Associations should begin reviewing their insurance program approximately 90 to 120 days before renewal.
Starting early gives boards time to evaluate options, obtain competitive proposals, and address any underwriting concerns before the renewal deadline approaches.
Waiting until the last minute can limit available options and reduce the board’s ability to make strategic decisions.
Associations entering their renewal period can benefit from a comprehensive review of their current program, including deductibles, limits, carrier positioning, and overall risk management strategy.
Ready for a Fresh Perspective on Your Association’s Insurance Program?
If your community association, condominium association, or HOA is renewing within the next 90 to 120 days, Nicole Dallape can provide a fresh review of your current insurance program.
Whether you’re seeking additional market access, a second opinion on coverage, or guidance for your board, Nicole is available to help.
Nicole Dallape
Community Association Producer
Biltmore Insurance
(404) 376-9566
Frequently Asked Questions
What types of communities does Nicole work with?
Nicole works with homeowners associations (HOAs), condominium associations, community associations, and property managers seeking insurance guidance and coverage solutions.
Does an insurance review require changing carriers?
No. An insurance review simply provides an opportunity to evaluate your current program and determine whether it continues to meet the association’s needs.
How early should an HOA start the renewal process?
Most associations benefit from beginning the review process 90 to 120 days before renewal to allow adequate time for evaluation and planning.
What does Nicole review during an insurance assessment?
Nicole reviews coverage limits, deductibles, exclusions, carrier options, property valuations, and other important policy components that impact the association’s risk management strategy.
Can Nicole help explain insurance coverage to board members?
Yes. One of Nicole’s primary goals is helping boards and managers better understand their coverage and make informed insurance decisions.
