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

Fri Jan 22 20:42:23 UTC 2021

Do they need to be done by specialized railing companies or some handyman
can do this? I can try to research this weekend. Do you have any
information on who did this work in the past?

Mitsy

On Fri, Jan 22, 2021 at 2:25 PM Sara Crews via Everyone <
everyone at chelseaplacedecatur.com> wrote:

> Misty, will you be willing to contact several metal railing companies to
> see if they will come out to give us a quote (see insurance notations re.
> location)?
>
> Sara
>
>
> Sent from Xfinity Connect Application
>
>
> -----Original Message-----
>
> From: everyone at chelseaplacedecatur.com
> To: everyone at chelseaplacedecatur.com
> Cc: mitsy12 at gmail.com
> Sent: 2021-01-21 4:57:23 PM
> Subject: Re: [Everyone] Urgent! Possible loss of our Association's common
> areas insurance coverage.
>
> I don't know anything about HOA insurance etc. and I'd be hesitant to take
> on this very important task.... I'm sorry. I'd be happy to help with
> something else though.
>
> Mitsy
>
> On Thu, Jan 21, 2021 at 3:26 PM David Weiner via Everyone <
> everyone at chelseaplacedecatur.com> wrote:
>
>> 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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