[Everyone] Urgent! Possible loss of our Association's common areas insurance coverage.

[Lauren Rich]

Sara, my vote is yes for us to cover Jimmy's insurance, if need be.

On Wed, Jan 20, 2021, 5:31 PM Sara Crews via Everyone <
everyone at chelseaplacedecatur.com> wrote:

> Why were we left in the dark about the CAU's letter dating back to July
> 30, 2020?  These repair issues should have been brought before the entire
> HOA upon receipt of the letter.  The matter was brought to light during our
> virtual reality meeting in December, but I don't recall being made aware of
> the deadline.  In reviewing Risk Management's repair list, it's my opinion
> that it will be near impossible to carry out their requirements prior to
> the February 16, 2021.  (I've been waiting since June for my regular
> handyman to make some repairs for me.)  Also, these repairs are going to be
> rather costly and some may take several months to complete.
>
> The clause that is of greatest concern to me is CAU's requirement re. all
> contractors must have General Liability Insurance.  While our landscaper,
> Mr. Jimmy Ringer has fully covered medical insurance, he does not have
> liability insurance.  He has worked for Chelsea HOA for a long time and has
> always performed far beyond our requests.  Is the HOA willing to assume the
> cost of Mr. Ringer's annual liability insurance?  I have no idea how much
> an annual liability policy cost, but I feel certain Mr. Ringer will not
> agree to purchase such a policy.  If we have to seek out a landscape
> company, their cost will consume most of our monthly HOA fees which will
> mean a need to increase our monthly rate for the first time ever.  Just to
> give you an example of the HOA's cost some 34+ years ago, we paid a
> landscape company $500 per month just to blow off the common area.  If
> trees/shrubberies/flowers needed to be planted or removed, there were
> additional costs per plant; when pine straw needed to be installed twice
> each year, it cost HOA above the going rate for 100 bales, plus $1 for each
> bale put down; if limbs needed to be pruned, there was yet another add-on;
> and if RoundUp and Weeds Be Gone was used, there was cost for the product,
> plus the cost to apply it.)
>
> Needless to say, I am perplexed about this matter and request we hold a
> virtual reality meeting ASAP.
>
> Sara
>
>
> 1 3:57 PM Mark Bussey via Everyone <everyone at chelseaplacedecatur.com>
> wrote:
>
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>
> To Everyone:
>
>     I spoke with Christy of Dreher Insurance Agency this morning.  She is
> our insurance agent for Chelsea Place Association's policy of coverage with
> CAU for our common areas, (such as the stream-bed, the driveway, some
> walkways, etc).  On July 30, 2020 the Association was sent a letter,
> (attached), from risk management at CAU advising us that we needed to make
> certain "repairs" to the property to reduce our liability exposure: repairs
> for which they requested a "response," (ie. the repairs), by September 30,
> 2020.  To my best knowledge we have not made any of these repairs yet.
> Because of this letter we are now on notice of particular 'defects" to
> our property if someone comes onto our common areas and is hurt. Christy
> advised me that we *must* make the repairs/adjustments listed in the
> letter by our insurance renewal date, (which I believe is February 16,
> 2021), *or CAU will not renew our coverage* and we will then all be
> financially exposed if someone is injured on our common property.  I asked
> if it would be sufficient to CAU if we had some of the repairs underway by
> our renewal date and she said that she wasn't sure, that she could not
> speak for CAU Underwriting.  Her words were that "they may or may not give
> you an extension of time to make the repairs" even if they are underway by
> February 16, 2021.
>     Of course each of us has, or should have, a separate policy of
> insurance coverage for our private town-homes and our small, attached land
> areas.  You may or may not be covered by that personal policy for any
> claims arising our of an injury on the Association property/common areas:
> that is something you will need to discuss or negotiate with your own
> property carrier and hope they follow through if/when you need them.
>     My first question is to Dave: have you, or to your knowledge anyone
> else, taken any or some action to address the "fixes"required by CAU in the
> July letter, and if so, please let us all know the status of that by
> tomorrow morning.  *If not, we all need to move on this immediately or we
> will lose our common area insurance coverage*.
>
>
> Mark
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