By Rafael Aquino

Published August 4, 2021  


Insurance is a line on the budget that at times doesn't get taken very seriously. I believe this is the case because the value is not realized unless a significant/catastrophic event occurs. While these policies are, in most cases, just for the common area, they protect the interest of all those living with the association. As such, Boards should be working with industry experts that know and understand the association insurance world.

What amazes me the most is the lack of understanding condo owners have regarding their insurance coverages. Many believe their interior unit is covered by the association's policy, which they are not in most cases. This occurs because mortgage companies and associations aren't requiring condo owners to have such policies.

These are some of the changes that I would like to see:

  • Require HO-6 policies for all condo owners or require reserves for the insurance deductible.

  • Require associations to have a property appraised every twelve months to confirm proper coverage.

The most intelligent people understand that mistakes are inevitable in business/life, and it's part of growing. However, that growth only happens if you learn from prior experiences. Change is overdue in many areas within our industry, and I'm hopeful those individuals representing our interest have seen what's behind the curtain and take the necessary action.

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As the Co-Founder and CEO of Affinity Management Services, Rafael P. Aquino leads his team to redefine excellence. They serve community   associations   efficiently

and effectively with dedication and passion. Rafael’s energy and positive spirit is the foundation of Affinity Management Services’ company culture, which instills enthusiasm and excitement when providing expert advice to its board members and relieving the day-to-day burdens of running a community association.


Since 2007, Rafael has developed a work culture that values responsive and high-quality services. He has led his team by following a proactive vs reactive philosophy. The same approach Rafael instills in the day to day operations of each association. Today, Affinity Management Services maintains its success and benefits as a result of the foundation Rafael has built and continues to foster by providing educational seminars, continuing education classes for association managers and board members alike.

Rafael and his team help condominium and homeowners’ associations save money and improve their communities. His calm, personable, and service-oriented nature helps him to establish strong relationships with ease. Rafael is known as a sincere and honest leader who looks out for the best interests of his clients and communities, and he strongly advocates for their needs. His role requires coordination and communication, as such he takes logical and intelligent steps to approach challenges head-on.

As a graduate of Florida International University’s electrical engineering program and a licensed community association manager, Rafael’s education and skills equip him with unique insights to tackle complex problems through critical thinking. He understands how each component within a system works together in order to effectively arrive at solutions, techniques, and conclusions. Therefore, as he manages the multiple challenges of running a community association management company, he understands how each property is its own unique system and tailors’ specific services to assure that all their needs are met.

For more information about Rafael P. Aquino and Affinity Management Services please visit or call 1-800-977-6279

Doral Office: 8200 NW 41st ST

Suite 200

Doral, FL 33166

Broward Office: 150 S Pine Island RD Suite 300

Plantation, FL 33324

O: 800-977-6279 ● F: 305-325-4053

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