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

[David Weiner]

I'd also like to give a big thanks to those that are stepping up.  We're
shorthanded at work, so I don't have a lot of free time, and what free time
I do have is being eaten up dealing with my recent family issues.

Dave

On Thu, Jan 21, 2021 at 3:16 PM Rosamond via Everyone <
everyone at chelseaplacedecatur.com> wrote:

> Dear Mitsy and others with the excellent suggestion to get bids from other
> insurers:
>  would you please follow through and do this?  It would be very helpful.
> Several folks have already agreed to take on sizable tasks to meet this
> challenge.  If a couple of you could tackle this, I know everyone would be
> glad and eager for this information. We need and want  everyone’s help.
> Rosamond
>
> Sent from my iPhone
>
> On Jan 21, 2021, at 3:06 PM, mitsy via Everyone <
> everyone at chelseaplacedecatur.com> wrote:
>
> 
> 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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