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

Sat Jan 23 19:38:48 UTC 2021

Hi Sara and all,

I've sent emails to several fencing companies I found on the net. I'll let
you know if I hear back from them.

Mitsy

On Fri, Jan 22, 2021 at 7:10 PM Sara Crews <sara408 at comcast.net> wrote:

> That’s wonderful, Jordan.  Thank you.
> Sara
>
> Sent from Xfinity Connect App
>
>
>
> ------ Original Message ------
>
> From: Jordan Sharon via Everyone
> To: mitsy12 at gmail.com, Residents
> Cc: Jordan Sharon
> Sent: January 22, 2021 at 6:40 PM
> Subject: Re: [Everyone] Urgent! Possible loss of our Association's common
> areas insurance coverage.
>
> Hi All!
>
> I’ve just been able to catch up on all of this. First off, I’d like to say
> I’m very I’m happy to be your neighbor! I think we live in a beautiful
> little community, and keeping it that way obviously requires some teamwork.
> I’d like you all to know I am here to help in anyway I can. I have been
> working remotely with some pretty nutty hours, but as of next week my
> schedule frees up, so please let me know how I can be of service.
>
> Thanks!
> Jordan
>
>
>
> --
> Jordan Sharon
> jsharona at gmail.com
> 323.680.6177
>
> On Jan 22, 2021, at 3:42 PM, mitsy via Everyone <
> everyone at chelseaplacedecatur.com> wrote:
>
> 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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>>>>>
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