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- Remove coming-soon banner from all pages (index, articles, SEO pages, legal pages) - Replace all "Get Early Access" CTAs with "Start Free Trial" → https://app.hoaledgeriq.com/pricing - Hero CTA updated to "Start Your Free 14-Day Trial" - Pricing section: replace static pricing grid with live iframe embed from app.hoaledgeriq.com/pricing - Add .pricing-embed-wrap / .pricing-embed / .pricing-embed-fallback CSS - Hide lead capture signup section (preserved with style="display:none" for future use) - Update footer "Early Access" → "Start Free Trial" across all pages - Update calculator CTA → https://app.hoaledgeriq.com/pricing - Remove "Coming soon to hoaledgeriq.com" copy from privacy/terms footers - Pages updated: index.html, styles.css, reserve-study-software.html, investment-management.html, special-assessment-calculator.html, privacy.html, terms.html, articles/index.html, articles/why-we-built-hoa-ledgeriq.html, articles/hoa-financial-blind-spots.html Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>
274 lines
14 KiB
HTML
274 lines
14 KiB
HTML
<!DOCTYPE html>
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<html lang="en">
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<head>
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<meta charset="UTF-8">
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<meta name="viewport" content="width=device-width, initial-scale=1.0">
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<title>HOA Special Assessment Calculator - Plan & Avoid Special Assessments | HOA LedgerIQ</title>
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<meta name="description" content="Calculate and avoid special assessments with proper reserve planning. Free calculator shows how much your HOA should save monthly to avoid emergency assessments.">
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<meta name="keywords" content="HOA special assessment calculator, special assessment planning, HOA emergency fund calculator, avoid special assessments, HOA reserve planning">
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<link rel="canonical" href="https://www.hoaledgeriq.com/special-assessment-calculator" />
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<link href="https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&display=swap" rel="stylesheet" />
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<link rel="stylesheet" href="styles.css" />
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<!-- Google tag (gtag.js) -->
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<script async src="https://www.googletagmanager.com/gtag/js?id=G-RTWNVXPMRF"></script>
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<script>
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window.dataLayer = window.dataLayer || [];
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function gtag(){dataLayer.push(arguments);}
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gtag('js', new Date());
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gtag('config', 'G-RTWNVXPMRF');
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</script>
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</head>
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<body>
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<!-- Navigation -->
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<nav class="navbar">
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<div class="container">
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<img src="logo_house_transparent.svg" alt="HOA LedgerIQ" class="logo-img" />
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<div class="nav-links">
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<a href="index.html">Home</a>
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<a href="#how-it-works">How It Works</a>
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<a href="#avoid">How to Avoid</a>
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<a href="https://app.hoaledgeriq.com/pricing" class="btn btn-primary nav-btn" target="_blank" rel="noopener">Start Free Trial</a>
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</div>
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</div>
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</nav>
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<!-- Hero Section -->
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<section class="hero assessment-hero">
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<div class="container">
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<div class="hero-badge">Special Assessment Calculator</div>
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<h1 class="hero-headline">
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Avoid Special Assessments<br />
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<span class="gradient-text">With Smart Planning</span>
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</h1>
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<p class="hero-sub">
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Special assessments average $3,000-$10,000 per homeowner. Use our free calculator
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to see how proper reserve planning can help your HOA avoid emergency assessments entirely.
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</p>
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<div class="hero-actions">
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<a href="#calculator" class="btn btn-primary btn-lg">Calculate Your Risk</a>
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<a href="#avoid" class="btn btn-ghost btn-lg">Learn How to Avoid →</a>
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</div>
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</div>
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</section>
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<!-- Statistics Section -->
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<section class="stats-section">
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<div class="container">
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<h2>The Special Assessment Problem</h2>
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<div class="stats-grid">
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<div class="stat-card">
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<div class="stat-number">64%</div>
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<div class="stat-label">of HOAs will levy a special assessment within 5 years</div>
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</div>
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<div class="stat-card">
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<div class="stat-number">$5,200</div>
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<div class="stat-label">Average special assessment per homeowner</div>
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</div>
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<div class="stat-card">
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<div class="stat-number">73%</div>
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<div class="stat-label">Could have been avoided with proper planning</div>
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</div>
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<div class="stat-card">
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<div class="stat-number">89%</div>
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<div class="stat-label">of homeowners say special assessments hurt property values</div>
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</div>
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</div>
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</div>
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</section>
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<!-- Calculator Section -->
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<section id="calculator" class="calculator-section">
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<div class="container">
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<h2>Special Assessment Risk Calculator</h2>
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<p>Find out if your HOA is at risk for a special assessment and how much you should be saving.</p>
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<div class="calc-form">
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<div class="calc-input-group">
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<label>Total Number of Units/Homes</label>
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<input type="number" id="units" placeholder="e.g., 150" />
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</div>
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<div class="calc-input-group">
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<label>Current Reserve Fund Balance</label>
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<input type="number" id="reserves" placeholder="e.g., 250000" />
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</div>
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<div class="calc-input-group">
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<label>Estimated Cost of Major Repairs Needed (next 5 years)</label>
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<input type="number" id="repairs" placeholder="e.g., 500000" />
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</div>
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<div class="calc-input-group">
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<label>Monthly HOA Fee per Unit</label>
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<input type="number" id="hoaFee" placeholder="e.g., 250" />
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</div>
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<button class="btn btn-primary btn-lg" onclick="calculateRisk()">Calculate Assessment Risk</button>
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<div id="calcResults" class="calc-results" style="display:none;">
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<h3>Your Assessment Risk:</h3>
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<div id="riskLevel" class="risk-level"></div>
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<div id="riskDetails" class="risk-details"></div>
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<div id="recommendation" class="recommendation"></div>
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<div class="calc-cta">
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<h4>Get Your Complete Analysis</h4>
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<p>Enter your email to receive a detailed report with:</p>
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<ul>
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<li>✓ Recommended monthly reserve contribution</li>
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<li>✓ 5-year capital project forecast</li>
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<li>✓ Special assessment prevention plan</li>
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</ul>
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<input type="email" id="email" placeholder="your@email.com" />
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<button class="btn btn-primary" onclick="sendResults()">Send Me Results</button>
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</div>
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</div>
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</div>
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</div>
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</section>
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<!-- How to Avoid Section -->
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<section id="avoid" class="avoid-section">
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<div class="container">
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<h2>How to Avoid Special Assessments</h2>
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<div class="avoid-grid">
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<div class="avoid-card">
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<div class="avoid-icon">📊</div>
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<h3>1. Regular Reserve Studies</h3>
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<p>Conduct reserve studies every 3-5 years and update annually. Know exactly what needs repair and when.</p>
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</div>
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<div class="avoid-card">
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<div class="avoid-icon">💰</div>
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<h3>2. Adequate Monthly Funding</h3>
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<p>Ensure monthly HOA fees include sufficient reserve contributions. Most HOAs underfund reserves by 40-60%.</p>
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</div>
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<div class="avoid-card">
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<div class="avoid-icon">📈</div>
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<h3>3. Investment Income</h3>
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<p>Earn interest on reserve funds. Even a 4% return on $500K reserves = $20,000/year in free money.</p>
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</div>
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<div class="avoid-card">
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<div class="avoid-icon">🔍</div>
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<h3>4. Continuous Monitoring</h3>
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<p>Track reserve balances monthly, not annually. Catch funding shortfalls early before they become crises.</p>
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</div>
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<div class="avoid-card">
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<div class="avoid-icon">📋</div>
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<h3>5. Capital Planning</h3>
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<p>Maintain a 5-year capital project plan with realistic cost estimates. Update annually for inflation.</p>
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</div>
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<div class="avoid-card">
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<div class="avoid-icon">🤖</div>
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<h3>6. AI-Powered Insights</h3>
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<p>Use AI to analyze spending patterns, predict costs, and optimize reserve funding strategies.</p>
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</div>
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</div>
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</div>
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</section>
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<!-- Warning Signs Section -->
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<section class="warning-section">
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<div class="container">
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<h2>Warning Signs Your HOA May Need a Special Assessment</h2>
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<ul class="warning-list">
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<li>✓ Reserve fund balance is less than 70% of what the reserve study recommends</li>
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<li>✓ Monthly HOA fees haven't increased in 3+ years</li>
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<li>✓ Major capital projects are deferred or postponed</li>
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<li>✓ The board discusses "surprise expenses" frequently</li>
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<li>✓ Reserve fund earns less than 1% annual return</li>
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<li>✓ No one knows the current reserve fund balance</li>
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<li>✓ The reserve study is more than 5 years old</li>
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</ul>
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<p class="warning-note"><strong>If 2 or more apply:</strong> Your HOA is at high risk for a special assessment.</p>
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</div>
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</section>
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<!-- CTA Section -->
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<section class="cta-section">
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<div class="container">
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<h2>Protect Your Community from Special Assessments</h2>
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<p>Get the tools and insights you need to plan ahead and avoid emergency assessments.</p>
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<div class="cta-form">
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<a href="https://app.hoaledgeriq.com/pricing" class="btn btn-primary btn-lg" target="_blank" rel="noopener">Start Your Free 14-Day Trial</a>
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<p class="cta-note">Includes reserve analysis, capital planning, and special assessment prevention tools</p>
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</div>
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</div>
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</section>
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<!-- Footer -->
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<footer class="footer">
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<div class="container">
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<p>© 2026 HOA LedgerIQ. All rights reserved.</p>
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<div class="footer-links">
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<a href="index.html">Home</a>
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<a href="index.html#features">Features</a>
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<a href="index.html#pricing">Pricing</a>
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<a href="index.html#contact">Contact</a>
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</div>
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</div>
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</footer>
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<script src="app.js"></script>
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<script>
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function calculateRisk() {
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const units = parseFloat(document.getElementById('units').value) || 0;
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const reserves = parseFloat(document.getElementById('reserves').value) || 0;
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const repairs = parseFloat(document.getElementById('repairs').value) || 0;
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const hoaFee = parseFloat(document.getElementById('hoaFee').value) || 0;
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// Calculate funding percentage
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const fundingPercent = (reserves / repairs) * 100;
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// Calculate monthly contribution needed
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const monthlyNeeded = (repairs - reserves) / (5 * 12);
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const monthlyPerUnit = monthlyNeeded / units;
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let riskLevel = '';
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let riskColor = '';
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let details = '';
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if (fundingPercent < 50) {
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riskLevel = '🔴 HIGH RISK';
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riskColor = '#ef4444';
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details = `Your HOA is only ${fundingPercent.toFixed(0)}% funded for upcoming repairs. Special assessment is VERY LIKELY within 2 years.`;
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} else if (fundingPercent < 70) {
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riskLevel = '🟠 ELEVATED RISK';
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riskColor = '#f97316';
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details = `Your HOA is ${fundingPercent.toFixed(0)}% funded. Special assessment is POSSIBLE within 3-5 years without increased funding.`;
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} else if (fundingPercent < 90) {
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riskLevel = '🟡 MODERATE RISK';
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riskColor = '#eab308';
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details = `Your HOA is ${fundingPercent.toFixed(0)}% funded. You're in decent shape but should increase monthly contributions.`;
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} else {
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riskLevel = '🟢 LOW RISK';
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riskColor = '#22c55e';
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details = `Your HOA is ${fundingPercent.toFixed(0)}% funded. You're in good shape! Continue current funding levels.`;
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}
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document.getElementById('riskLevel').innerHTML = `<span style="color: ${riskColor}; font-weight: bold;">${riskLevel}</span>`;
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document.getElementById('riskDetails').textContent = details;
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document.getElementById('recommendation').innerHTML = `
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<p><strong>Recommended Action:</strong></p>
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<p>To avoid special assessments, your HOA should save an additional <strong>$${monthlyNeeded.toLocaleString('en-US', {maximumFractionDigits: 0})} per month</strong>
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(or <strong>$${monthlyPerUnit.toLocaleString('en-US', {maximumFractionDigits: 2})} per unit/month</strong>).</p>
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`;
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document.getElementById('calcResults').style.display = 'block';
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// Track event
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if (typeof gtag !== 'undefined') {
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gtag('event', 'calculator_submit', {
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'event_category': 'conversion',
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'event_label': 'Special Assessment Calculator'
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});
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}
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}
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function sendResults() {
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const email = document.getElementById('email').value;
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if (email && email.includes('@')) {
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alert('Results will be sent to ' + email + '. Thank you!');
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// In production, this would send the results via API
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} else {
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alert('Please enter a valid email address.');
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}
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}
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</script>
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</body>
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</html>
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