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

[mitsy]

I'd like to add another vote for looking into another insurance company as
Dave suggested.

Thank you,

Mitsy (338)

On Thu, Jan 21, 2021 at 3:00 PM Sara Crews via Everyone <
everyone at chelseaplacedecatur.com> wrote:

> Thank you for the clarification, Dave.
>
> Sara
>
> On 01/20/2021 6:03 PM David Weiner via Everyone <
> everyone at chelseaplacedecatur.com> wrote:
>
>
> Mark and Sara,
>
> Despite the notice being dated 7/30/2020, Cristy did not send the letter
> to us until 11/13/2020 (I double checked my emails).  In her email of
> 11/13, she made no apology for the delay, nor did she say the repairs were
> required for renewal.  In fact, it wasn't until Jan 4, 2021 that she
> informed me that the insurance company would want an update before the
> renewal. Mark then reached out to her for additional clarification, which
> is when we were informed that we needed to complete the repairs before
> renewal. For the record, the next email I got after this one was the
> renewal quote.  Back in June, Sarah Collins and I were discussing the
> insurance company, and she said to me in an email "I have not been overly
> pleased with the agency in terms of communication/customer service."
> Perhaps we may want to check into other insurance carriers.
>
> Dave
>
> On Wed, Jan 20, 2021 at 3:57 PM Mark Bussey via Everyone <
> everyone at chelseaplacedecatur.com> wrote:
>
> 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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